Life insurance premiums aren’t exactly fun to pay. It’s something you never expect to use, which can make it difficult to keep the benefits of having it at the forefront of your mind. Yet, it’s a critical component of any healthy financial plan. It provides a safeguard for lost earning potential in the tragic event should the insured pass away unexpectedly. Often overlooked is the importance of protecting a stay-at-home parent with his or her own policy. This can be a big mistake.