A. The answer is Yes. Here is the reason:
While a non-working spouse does not work outside the home, but, like most stay-at-home moms, she has a full-time-plus job at home. A salary.com calculation found that after all the various duties are added up, stay-at-home moms put in 94.7 hours in a typical work week, and it would cost $112,962 a year to replace her.
Having insurance coverage on your non-working spouse protects you from having to cover the costs of those services, or figuring out how to do it all yourself.
From the insurance company perspective, the maximum life insurance coverage amount a non-working spouse could take is only at half of the working spouse's existing life insurance coverage.