What would it cost to replace mom?

When it comes to life insurance for women, all incomes are created equal. According to American Center for Progress, "In 2017, the latest year with available data, 41 percent of mothers were the sole or primary breadwinners for their families, earning at least half of their total household income.” All of which means life insurance for your mom is more critical than ever. If your family relies on your mom financially but she has no coverage, now’s the time to look for term life insurance.

Simply put, if mom is working 9-5 and bringing home half the bacon, then her life needs to be covered. After all, the basic purpose of life insurance is to replace lost income in the event of tragic circumstances. Both breadwinners should have life insurance to make sure that the family can continue to pay the bills, put food on the table, and keep the roof over their heads even if something unexpected happened.

Life insurance isn’t just for working moms. In fact, replacing Mom would cost $184,820 per year.

How Mom spends her week:

She's a teacher, chef, chauffeur, dryer of tears … otherwise known as "Mom." Think about all the tasks Mom does in one day. How much would it cost to pay someone else to do all of the things that a mother does for her children? Here's just a few ways Mom spends her week:


17 hours


15 hours


5 hours


9 hours


5 Hours


45 hours


10 hours

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48 hours


3 hours

183 Total hours worked per week

Mom's value is at an all-time high at $184,820. Nothing can replace her, but having life insurance means that the family will be financially protected if the unexpected were to happen.

$3,696,400 is the amount of money the average American household would need over 20 years to replace Mom if she was no longer around. Seem like a lot? Think about all the tasks Mom does in one day, and now consider their value over 20 years—how much would it cost to pay someone else to do all of the things that a stay-at-home mother does for her children?

Unlike some studies, instead of trying to calculate a salary complete with overtime like some studies, we wanted to focus on the replacement value of Mom. We matched up wage data with the tasks that Mom tackles for free every day, and it’s pretty clear that Mom is even more valuable than we already knew.