A. Generally, most insurers allow 50% of what a working spouse has in force. For example, if you have $1M life insurance in force, then non-working spouse would be eligible for $500K coverage.
However, it is possible for a non-working spouse has higher coverage, in order to obtain that, the client will be required to submit a written letter explaining the need for the requested face amount on the non-working spouse. Such needs could be mortgage, day care for the kids, school expense for the kids, etc. The final decision will be made by the insurer.