Why in sickness and in health, but otherwise, you’re on your own.

Being in a committed relationship takes…well, commitment.  You and your spouse have probably found yourselves dependant on each other in more ways than you ever imagined.  

Financially speaking, living within your means becomes a function of your combined income, not the amount either of you make on your own.  If something were to happen to one of you, the equation changes instantly.  Even if the surviving spouse is fortunate enough to avoid responsibility for the deceased’s personal debt, living “within your means” doesn’t mean what it used to.

For millennials, planning for a possible loss of income is not just a concern for the husband either.  All parents work in about 70% of millennial households, and the mother is the sole breadwinner in 1 out of 4 millennial households.  In simple terms ladies, your income is more important to the family than for past generations of American women.  Even stay-at-home parents provide such significant value that not having them around could create significant financial hardship.

For committed partners this might seem like a difficult situation to ignore, but that’s what we’re here to do.  Could life insurance keep your loved ones financially secure for years to come?  Sure, but they’ll probably figure it out on their own anyway right?  Take on another job for awhile, get remarried, whatever.  Till death do us part.

Source:  “15 Economic Facts About Millenials,” A Report by the Council of Economic Advisers

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Based on information from the US Bureau of Labor Statistics, the value of work performed by the average stay at home parent is an annual salary of approximately $60,000 (Wages: and Time: Eligibility, insurability, underwriting criteria and other factors may also apply.

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