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What type of coverage do you need?

By: Andrea Moyerimage of mother and daughter gardening

Are you a stay-at-home parent?  I was for a long time until I re-entered the work force when our children went to school.  Anyone who has ever been a SAHP will tell you that while it is rewarding and matchless, it can be humbling and thankless as well.  We’re often tempted to undervalue our jobs and positions, but do we think of how much would be jeopardized in our absence?  Are we considering the cost of replacing a SAHP when we are no longer available?  We should and here are several reasons why.  Instead of thinking of yourself as a Stay-at-Home Parent, (a label which needs a makeover, by the way) try these hats on for size:

Cook – First and foremost, we eat!  Unless you’re happy with takeout for every meal or simply fasting and wasting away, you’re going to need to attend to this.  You need to eat and so do your children.  Even if the other parent plans to take over this chore, learning to cook takes time and money.  You need to plan a menu, shop, cook and have a contingency plan for when the meal goes awry.  Hmm…what would it cost to hire a chef?

Chauffeur – We also need to transport things, like children, to places like school.  Likewise, we need to transport them back home again.  We need to get these same children to soccer practice, piano lessons and dental appointments, sometimes all in one afternoon.  Obviously the parent who works outside the home can’t call this in from a remote location so you’re going to need to attend to this as well.  School buses take care of getting our kids to school, but what about the rest?  How much would a chauffeur cost?

Childcare Provider – You didn’t wander out of your house this morning and leave your children unattended, did you?  Of course not.  Even if you’re not able to care for your children yourself, you make sure that there is a competent adult in the house who can.  Since most people are unwilling to take on this task out of the goodness of their hearts, this will cost money, too.  Gulp.  How much do babysitters cost?

Cleaner – I’ve done some housecleaning in my years as a SAHP, both for myself and for others.  I’ve always enjoyed the feeling of accomplishment when I was done cleaning someone else’s house and the sense of pride that went with it.  This lasted until right about the time I went back to my own house and saw how messy it was.  It was then that I wished I could hire my own housecleaner!  I know how long it takes to clean a house and what it costs to clean it.  Do you?

Household Manager – It takes a careful and conscientious person to see that all of these things run smoothly and seamlessly.  Like house cleaning, it goes unnoticed and unappreciated until it doesn’t get done.  Even in a two-income household, someone has to see to it that these chores and tasks are completed.  Is there a provision in the event that that person is not you?

I’ve listed five major reasons why you, the incredible, invaluable Stay-at-Home Parent, need to consider life insurance.  You are truly adding economic value to your household, so contact the Weimer Group at either our Perkasie (215) 257-9171 or Harleysville (215) 723-9805 offices.  Our agents will gladly talk to you about a life insurance quote.  Call today, because the jobs you do are too important to overlook!

Posted 4:26 PM

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