If you’re the main provider for your family, you probably already understand the importance of purchasing a life insurance policy to protect your loved ones. However, if your spouse is a stay-at-home caregiver, they need coverage, too. At Custis Insurance Service in Sheffield Lake, OH, their dedicated agents want to help you understand why your stay-at-home spouse needs a life insurance policy of their own.

Your stay-at-home spouse does more than help with the kids while you’re at work. They’re likely the household manager, overseeing doctor’s appointments, grocery shopping, playdates, and family gatherings. They make sure life goes as smoothly as possible while you focus on providing the basic necessities. But what would you do if your spouse passed away?

Without a good life insurance policy, you’d need to find a way to continue to be both the breadwinner and a full-time parent. This can place a serious financial burden on your shoulders during an already difficult time. Purchasing a life insurance policy will give you the breathing room you need to help you and your family adjust to the new normal. Once a policy is distributed, you’ll be able to use the funds to cover common expenses like childcare, taking time off work, funeral costs, and anything else that will help you and your family throughout the grieving process.

Typically, younger parents should consider purchasing a term life insurance policy. These policies last for a set number of years and can be arranged to protect your family while your children are growing up. The best term length will vary, but most choose one that provides coverage until the youngest child is out of the house.

Though no one likes to think about losing their spouse unexpectedly, making sure they’re covered can help. Let the experienced insurance agents at Custis Insurance Service help you find the best life insurance policy for your stay-at-home spouse. Visit them online to learn more about their coverage areas, and call (440) 949-­7171 to schedule an appointment.