While everyone recognizes the vital role of the family’s main wage earner, few people stop to think about the cost of services performed by the stay-at-home spouse. This includes childcare, looking after the home, preparing meals, and many other time-consuming activities, like carpooling, laundry, and grocery shopping, to name a few! What if something happened to the person who handles all those responsibilities? Often the parent who is left behind is unable to provide the same stable hom...