There is no doubt that single parents have special challenges, especially while trying to balance their work life with their home life. It’s even more challenging when single moms have multiple children to raise while they are working. They have so many balls in the air that represent their responsibilities, it is almost mind-boggling. In fact, if the job titles for a working single mom were combined for their work life and home life, it would be like being the CEO, COO, CFO and Chairman of the Board all at once.

A recently published article in The Telegraph makes a point of listing 26 tasks that a mom has to complete in the morning – that’s before they go to work! When you consider what a day-in-the-life of a working single mom looks like, it’s scary to think what you have to do when you work full time and manage a household simultaneously. But somehow many single moms are able to fight the good fight every day and find some happiness and fulfillment while they’re doing it.


Managing the Household

drawing of family home

It is difficult enough to manage a household when there are two parents, so think about what is involved when there is one parent and that parent is also working full time:

The Morning Routine

  1. Make sure children get up on time and go through a grooming routine
  2. Feed yourself and your children a healthy breakfast
  3. Go over the day’s schedule while preparing a lunch for the children
  4. Confirm with your sitter who will be home and when
  5. Make certain the kids are dressed in the appropriate clean clothes
  6. Review your work schedule for the day while checking and answering emails
  7. Get dressed and get the kids to school (drive them or school bus)

The Evening Routine

 Make sure children have finished assigned chores and are doing homework

  1. Prepare dinner and speak with sitter about tomorrow’s plans
  2. Check over the kid’s homework and help with unanswered questions
  3. Spend some downtime with the kids and listen to any concerns they are having
  4. Complete any leftover work tasks that can be addressed at home
  5. Review and prepare tomorrow’s schedule and make necessary calls or send emails
  6. One last review of emails or texts concerning work or home
  7. Check on kids who may or may not be sleeping and give a kiss goodnight

Suffice it to say that each above-mentioned bullet point has sub-bullet points that grow the list even larger.


When you can Afford Help

Fortunately for many single moms, they don’t have to go it alone. Many have the financial resources to hire outside help for many of the household tasks that must be addressed.  But for those who are earning an average income, unless they have siblings or other family members nearby, they’re pretty much on their own.

Even when a single mom is able to hire a nanny or a catering service for evening meals, it doesn’t always work perfectly, so having help with the household can also bring additional challenges.


But What if I’m Not There?

There’s a saying I’ve heard that rings true for most people on the planet – “Never say never and nothing lasts forever.” Regretfully, sometimes single moms die unexpectedly. When this happens, one of two things is usually typical:

  1. Mom has planned ahead knowing full well this is a possibility
  2. Mom never made plans or didn’t even consider the worst could happen

Now What?

If you haven’t made arrangements for someone to take your place in the household and finish raising your children, DO IT NOW! There’s another saying that is especially appropriate here; “No one plans to fail – they just fail to plan.”

Not only do you need to speak with a family member or close friend about raising your children in your absence, you will need to provide the money for the additional costs of that person stepping into your shoes. Your chosen guardian will have to pick up the costs of the sitter or nanny, additional medical expenses, costs for finishing school and then college tuition, additional food costs, and on and on and on.


How Much Life Insurance does a Single Mom Need?

how much life insurance

The amount of life insurance you purchase should be based on the estimated additional expenses the guardian who will be raising your children will have to absorb. These estimates include all of the costs listed above and any other costs you have experienced previously along with estimated costs for future expenses like college tuition.

Since your debts will not be passed on to family members (unless they co-signed) there is no reason to worry about them. You might, however, want to have your mortgage paid off so your guardian can live in the family home while raising your children. If this is the case, add your mortgage balance to the death benefit.

How Much is this Going to Cost Me?

There is very good news here. Since your children will eventually become adults, you can use a 20-year term policy to provide your needed death benefit if you die unexpectedly. Here is an example of Term Life Insurance rates based on various face amounts:


These insurance rates are based on a female non-smoker in very good health:





30-year old




35-year old

$18.94 $30.50


40-year old

$25.26 $43.43


45-year old

$38.70 $70.07



Reviewing the above chart you will find it is evident that a 20-year term life insurance policy is the most affordable way to plan for the worst, and there are additional benefits that should be considered.

  • 20-years should be an ample amount of time to carry this large insurance policy.
  • Before the end of the term, you will have the option to convert a portion or all of your coverage to a permanent policy without having to prove insurability.
  • There are many riders (optional coverages) that you can add to your term policy to broaden your coverage and provide living benefits.

There is additional good news as well. You can easily shop your life insurance online and get insurance quotes for single moms instantly.


Get in Touch!
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