Who We Serve
Life Insurance for Moms
Mothers are the most consistently underinsured group we see, and the reason is a bad assumption: that a parent who does not earn a paycheck does not need coverage. Replacing what a stay-at-home mother does — childcare, transport, household management — costs a family real money every single month.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
How do you value unpaid caregiving in a coverage plan?
Price out what your household would have to buy if you were not there. Full-time childcare alone is one of the largest line items in a family budget in most parts of the country, and it does not stop for grief.
Full-time childcare or after-school care
Housekeeping and meal preparation
Transport to school and activities
Time the surviving parent must take off work, or reduced hours indefinitely
Existing family debt and the mortgage
What do working mothers should check?
Group coverage through an employer is typically one or two times salary and it does not follow you when you leave the job. It is a supplement, not a plan. An individually owned policy stays with you regardless of employment.
What should you know about The most common structure?
A 20 or 30 year term policy sized to cover the years until the youngest child is independent, often paired with a smaller permanent policy. Term is inexpensive at typical parenting ages, which is why this is a solvable problem rather than an expensive one.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Other people we help
Insuring your parents
By family role
Dads
By family role
Grandparents
By family role
New parents
By family role
Children
By family role
Couples
By family role
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.