[warner25]

> AD&D... most commonly offered by workplaces

Like the employer offers coverage that extends to a non-employee spouse, like family health insurance?

I remember finding one product sold to individuals including stay-at-home parents a few years ago by Bright Peak Financial. Now I can't even get their website to load to see any details, so maybe it doesn't even exist anymore, but the coverage limits were pitifully low. Like it would cover only fraction of our childcare costs, and only for a time measured in months.

We definitely have term life coverage on her that will run until our youngest kid is a teenager.

[daydream]

>Like the employer offers coverage that extends to a non-employee spouse, like family health insurance?

Yes. I believe it’s typically offered for just you, you+spouse, or you+family - like health insurance. Lots of info on Google.