It’s almost Mother’s Day when, on the fourth Sunday in Lent, that’s the 11th March this year, many of us will be showing our true love and appreciation to our Mums with chocolates, flowers, and breakfast in bed. If you’re a mum, the things you do are valued and they will last your children's lifetime. Your support and advice will stay with them always. Whether you're a working mum or stay-at-home mum, your family needs you and Mother’s Day is when your family shows you how much they’re thankful.

How could they ever make it without you?

This is a question that you and your family may never want to answer, but part of being a mum is being prepared and planning. It's hard to be equipped for the future without considering different scenarios, including the difficult or unpleasant ones. Such as, if you passed away… could your family stay afloat financially? How would they get by?

You can answer some of these uncomfortable questions and plan ahead with life insurance:

• Day-to-day expenses: Life insurance could provide a cash lump sum to pay the mortgage and the gas and electricity bills, buy groceries, etc.
• Funeral and burial expenses: A funeral can cost thousands of pounds. Can your family afford to pay for this out of their own pockets? If not, a life insurance pay out could help.
• Future expenses: Can your family afford the ever-increasing cost of further education? Life insurance can help pave the way for your child's future, by providing the cash he or she needs to pay tuition and buy books, not to mention room and board.

Essential Insurance has helped thousands of mums protect themselves and the future of their loved ones with life insurance. We compare quotes from the some of nation's top-rated insurance providers, so you get the right policy for your needs and you get the most for your money. Everything we do is designed to help save you time and money— two things, we’re sure you’ll agree, every mum could use more of!

What’s a mum worth?

Aside from the obvious love, care and support you give for your child’s physical, emotional, social and intellectual development and well-being, which is undoubtedly priceless. Think about all the things a mum does: cooking, cleaning, laundry, driving - a mum’s job never ends! If you've ever wondered how much all that work might add up to if you had to pay someone else to do it, well here’s an estimate from Bidvine, an online local services marketplace:

A staggering £83,500 a year!

They surveyed over 1000 UK mums and found that, on average, every day they spent up to 4 hours cleaning and general tidying, around 2 hours preparing food and an hour cleaning clothes, as well as being on call for their children 24 hours a day.

On top of this 44% of households which took part in the survey said they had a pet, and two-thirds of mothers from this group said they handle everything with the animals from feeding, bathing and walking.

They used data from the thousands of service providers on their database to work out the hourly rates for the everyday tasks mums carry out. These hourly rates were then worked up into an overall daily rate and using the statistics from the survey they were then applied to an entire year.

The final sum of £83,500 equates to more than some high paying jobs such as retail managers, bank managers, and even medical practitioners. And this estimated salary doesn’t include any other income that mums contribute from full or part-time work on top of their household responsibilities.

So, if your family doesn't have a spare £80,000+ a year lying around, it might be time to consider insuring your contribution to their financial well-being.

What does life insurance cost?

You might be surprised to learn that cover could cost less than your monthly mobile phone bill. At that price, why wouldn't you protect your family?

If you're a mum without life insurance, you can protect your family in one phone call - it all starts with a free quote. It's that simple and there's no obligation to buy. You can call us on 0800 612 8005 if you have any questions, want to learn more or if you want a quote to make you happy this Mother’s Day.