How much life cover should a non-earning spouse have?

A stay-at-home, non-earning spouse's life cover should reflect the financial gap the family would face after their death, Moneycontrol reported. This is because if they die, the family would have to pay someone else for tasks like cooking, childcare, household management, elder care, etc. For example, ₹30,000/month in replacement costs would total ₹43.2 lakh over 12 years, before inflation.