What assumptions are your making about living arrangements?
Are you living in your current house and are you assuming after 'you' pass away your spouse is still able to manage on their own in your existing home...for how long?
How long can a surviving spouse live on their own in the house you retired in? How will they go to the market and buy food? Can then keep the household in a livable condition, how long can they even manage the daily activities on their own?
Or, is this scenario predicated on the assumption that x years later, your surviving spouse simply drops dead quickly?
I envision that survivor spending increases dramatically in the last years of life - barring a quick/instantaneous demise.
Are you living in your current house and are you assuming after 'you' pass away your spouse is still able to manage on their own in your existing home...for how long?
How long can a surviving spouse live on their own in the house you retired in? How will they go to the market and buy food? Can then keep the household in a livable condition, how long can they even manage the daily activities on their own?
Or, is this scenario predicated on the assumption that x years later, your surviving spouse simply drops dead quickly?
I envision that survivor spending increases dramatically in the last years of life - barring a quick/instantaneous demise.