When older spouses launch their children and retire, they are likely to be each other's primary source of support, helping each other to achieve and maintain desired emotional states. (academic.oup.com)
For example, a 30 year old spouse on your plan would cost the same as a 30 year old employee. (simplyinsured.com)
For instance, a 35 - year - old spouse who stays home with three small kids and doesn't work may be a good candidate for a comprehensive critical illness policy (although even then, only for a brief period of time, say 10 years while the children are young). (moneysense.ca)