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What is Spouse Life Insurance?

In determining whether or not a spouse needs life insurance or how much he or she may need, you should consider the following:

In a dual income household, it is important to protect the earning capacity of both spouses. The loss of one income earner could be a severe financial hardship on the family.

If a spouse is a non-wage earner such as a stay-at-home parent, life insurance should still be considered. If the non-earner dies, new expenses such as child care and house-cleaning will be incurred.

Burial expenses and final medical expenses are further considerations.

Spousal protection can be accomplished with term life insurance or permanent life insurance.

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