Non-working spouse is a misnomer. Spouses at home have their own set of duties, and they deserve a term insurance plan, just like their partners.
From household management to childcare, from cooking to becoming the home-teacher for the kids, they are working 24/7 without any holiday. This reduces your expenses drastically.
Although one cannot compensate for the emotional loss of the spouse, the financial burden which would emanate from it can be taken care of with insurance.
You can get a term plan for your non-working spouse at a smaller premium with a large cover amount.
You can also save taxes on the premiums that you pay, under section 80C.
The absence of your non-working spouse brings emotional as well as financial losses. You can stay prepared for the latter with a term insurance plan.
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