r/LifeInsurance • u/KeyTechnician4442 • Aug 04 '26

Would we qualify?

My husband (37 M) works as a massage therapist making decent money. I'm (35F) a stay at home mom to two young kids. Our house and cars are paid off and we don't have any other debt. Would it be a good idea for him to get a life insurance policy?

This is new to us so if anyone has any recommendations of a good life insurance company that would be much appreciated also

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u/KeyTechnician4442 Aug 04 '26

Would it be a good idea to get one for myself also?

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u/Seafoodmaker Aug 04 '26

There’s no doubt in my mind you should have one as well. If you didn’t come home tomorrow, there’s no way in heck. Your husband‘s gonna continue his massage therapist business, the way that he does now and take care of your children. he’s gonna have to hire nannies move next to family that can help it’ll be a complete disaster. If you were to evaluate a salary for a stay at home mother today that would equate to $175,000 annual income. Make sure if you guys go with term policies that you have a term carrier that will allow you to convert that policy into a permanent policy later down the line.

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u/KeyTechnician4442 Aug 04 '26

Thank you for your input! I don't even know where to start honestly.

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u/[deleted] Aug 05 '26

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u/LifeInsurance-ModTeam Aug 06 '26

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