Life insurance always has seemed to me to be a waste of money. Plus I have no intention of lingering long enough to need long term care insurance. Besides perhaps I've watched too many Dateline NBC murder mysteries. But life insurance strikes me as being primarily a good reason for your spouse to get rid of you...

P. S. Here's a link to an article, from PC's archives, that I just happened on. Perhaps you've already seen it. But it was new to me:

Why Can't I Get Life Insurance?