A question that many married couples ponder, it has a simple answer: every single person should have life insurance.
When it comes to stay-at-home spouses, think of it like this. That stay-at-home spouse does nearly as much work as an employed person or perhaps even more. They cook, clean, take care of any kids or pets, etc. Should your spouse die, that work would need to be carried on by someone else. Questions to ask yourself include who would do that work and how much would it cost you to hire someone to do those responsibilities? It might sound like a something that will never happen to you, but as the old adage goes, it is better safe than sorry.
Based on individual situations and family needs, the amount of life insurance that the spouse needs will vary. Variables that need to be considered were mentioned above: the cost of hiring and paying someone to take on those responsibilities.
Another benefit and consideration of the death benefits of life insurance is that it can contribute to paying off debts left by a spouse and other expenses.
The short answer is this: every single individual should have life insurance, regardless of whether, they are stay-at-home or employed.