Later this year, the first of my husband's and my term life insurance policies expire. Twenty years ago, I found out I was pregnant. In between waves of nausea I remember thinking "We should get life insurance". We chose 20-year term life insurance policies. Term life insurance pays a benefit in the event of the death of the insured during a specified term. It is especially important for people with young children. In the event of an untimely death, life insurance helps the surviving spouse and children maintain their lifestyle. It's important for anyone with earnings, but also for stay-at-home caregiving spouses. If the caregiver spouse dies how much would it cost to hire out all …