[bombcar]

> AD&D (accidental death and disability) is the closest you’ll come. It’s most commonly offered by workplaces I believe, and is not expensive. On the flip side the situations it pays out are pretty narrow.

This is the problem. Those policies usually cover “unable to work at all” which is extremely narrow (some won’t pay out if you can do any job anywhere, even if you were a doctor lawyer 10 programmer CEO before).

You can find a policy to cover stay at home spouses, but they’re often somewhat custom, expensive, and only pay out until children are X age. Long-term care can also be added, even more.