No Work, Staying at Home saving you money!
People who stay at home (work at home, care for kids and do all the chores) if looked at in the financial viewpoint would equal to a lot of savings in terms of maids, daycare, food and other essentials whose cost can be diverted to more of the necessities of life like health care or insurance. The stay-at-home spouse should also be insured for they are the ones responsible for the care and upkeep of your home, loosing them would result in a lot of costs to cover all the jobs they used to do. It might sound bland and very unappealing, but they really do matter in the financial standing of your family so do get them insurance as you do for the earning members of the family.