 This goes for working husbands and wives, and it also includes stay-at-home parents because it's really expensive to replace those stay-at-home parent responsibilities. And I only recommend term life insurance since it's the most affordable way to get the right amount of coverage and not break your budget. Go to Zander.com or call 800-356-4282. These are the guys I personally use. That's Zander.com or call 800-356-4282.