Make sure you have enough life and disability insurance, especially if you’re a stay-at-home mom.

Take 30 seconds to jot down a list of all the “free” services you provide to your family. Impressive, right? This can range from everyday housekeeping and driving kids around to after school activities, to full time childcare. If something were to happen to you, would your husband’s income be enough to pay for your kids’ care and the school you would like them to attend? Don’t make the mistake of underestimating the value you provide to your family!