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Most families purchase minimal life insurance for the stay-at-home spouse. They feel this would be sufficient to take care of the basic tasks, at least until the youngest child is out of school. But what about the child's emotional loss from their deceased stay at home parent? Can hired help really take care of those needs? What if the working parent realized they needed to be the stay-at-home parent for a while... would there be enough life insurance to cover the working parent's wages?