Moms are the heart and soul of a family. They do it all, from caring for the kids to earning a living to helping with science projects and cooking a delicious (and hopefully nutritious) meal.

But there's one thing moms might not be good at, and it's protecting their families with life insurance. Stay-at-home moms, this is especially important for you! If you put a dollar value on the time and work you do for your family, how much do you think it would add up to? You might be surprised by the answer!

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What if Moms Had a Salary?

According to Salary.com,* the average mom would earn a yearly salary of $184,820/year! That includes daily pay for jobs like:

  • chef
  • housekeeper
  • caretaker
  • chauffeur
  • counselor
  • teacher
  • event planner

Consider the cost of hiring an in-home chef. If you were to hire a dedicated chef for all your family's meals, it could cost you $60,000/year. If you hire a chef for just five meals per week, the average national cost is $200-$300, plus the cost of groceries (another $60-$200/week).** That adds up to an eye-popping $13,520 - $26,000! And that's just one job that Mom takes care of on a daily basis.

$184,820 is an intimidating number. Most moms just don't realize how much they do...or how much it costs. That's where life insurance comes in!

➡️ Ready to find out how affordable a new life insurance policy can be? Click the button below for a free quote!

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Life Insurance and Moms

Today, 70% of moms (including married moms) can expect to be their family's breadwinner for at least a year before their child turns 18.^ Women are doing more to support their families than ever! But they're not doing enough to protect these valuable contributions. According to LIMRA, only 47% of women have life insurance, compared to 58% of men.^^

What's the solution? Moms need more life insurance coverage. It doesn't have to be expensive to upgrade your existing policy, or to get a brand new policy.

A 40-year-old mom (healthy, non-smoker) can get $500,000 of 30-year-term coverage for as little as $42 per month.

That's only about $500 per year to know your family will receive $500,000 tax-free, should you pass away unexpectedly.

That money can pay off a mortgage, send kids to college, and keep the household running while your family grieves and adjusts. It's a huge gift to give, and one that's very easy...if you take care of it now. When it comes to life insurance, it's better to be ten years too early than ten minutes too late. Check out the video below for more reasons why moms need life insurance.

➡️ Ready to find out how affordable a new life insurance policy can be? Click the button below for a free quote!

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*"How Much is a Mom Really Worth? The Amount May Surprise You," Salary.com, accessed 11/1/23
**"Personal chefs: How much do they cost — and are they worth it?", Care.com, accessed 11/1/23
^"For the first time, most U.S. moms will likely be the family breadwinner within their child’s first 18 years," MarketWatch.com, accessed 11/1/23
^^"Facts about Life 2021," LIMRA.com, accessed 11/1/23

Quoted rates valid as of 11/1/23. Preferred best health class, no tobacco. Carriers quoted include American General, SBLI, Banner Life, Protective, Pacific Life, Symetra, Haven Life, Cincinnati Life, and more. Your actual term life insurance premium can only be determined by a full application and the carrier's underwriting process, which may include some medical testing at their expense. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all carrier policies are available at all durations for all ages in all states.