 Now, what if you're 62 and your spouse is 92 with stage 4 cancer and you're probably not going to outlive your spouse? Or you probably are going to outlive your spouse. Well, in that case, you might check the life-only box. But I know that's a silly, ridiculous example. That doesn't apply to 99% of you. Now, many of you, though, have a completely different choice to make.