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parents needs life ins

Why Both Parents Need Life Insurance

Many couples don’t see the value of covering the stay-at-home parent. They always ask “they don’t make any money, so why would they need it?”

Well, if you Google it, the average stay-at-home parent is worth approximately $110,000 a year. That’s a lot; if something were to happen to that parent, imagine how much it would cost to hire someone to do all that they did. Getting the stay-at-home parent life insurance protects the other parent’s careers. If something happens to them, “Do you want to have a choice to work or stay home?,” insurance gives you a choice.

It’s not rocket science, but some engineers do overcomplicate things. You can get insurance for $500 per year for $1 million in term coverage. Doesn’t that seem worth it?

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.

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2023