A common misconception that I have seen in the field is that if women are not the
breadwinners or are stay-at-home moms, they need very little or no life insurance.
Statistics indicate that this attitude seems to be prevalent nationwide.

According to a national poll on a wholesaleinsurance.net study, 43 percent of adult
women have no life insurance. Amongst those that are insured, many are severely
underinsured, carrying roughly 1/4 of the amount that would likely be needed by their
families left behind. Even those that are primary breadwinners carry 31% less life
insurance than their male counterparts.

The economic value of a stay-at-home mom is clearly misunderstood and
underestimated. Consider that the estimate of the cost of full-time childcare can reach
$31,000 annually! The financial impact on the surviving spouse must be fully accounted
for. Also consider that sufficient life insurance can be surprisingly affordable for
women. Depending on term length, age, and health status, women can pay as low as
$25 per month for a $500,000 policy! Even for women that are a little older or not in
optimum health, policy costs are generally very reasonable!

To obtain quotes or a "Life Insurance Calculation" worksheet to determine how much
coverage is appropriate for you, please email us at info@prospersbs.com or call 1-855-


Marc Roethel

Leave a Reply.