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Does my spouse need a separate policy when I retire?

It can still sometimes make sense to shop for a separate policy for the oldest person. That's because insurance companies often set their rates based on certain age "bands," and the age of the oldest person seeking coverage is what counts. So it can be more economical to get one policy for the oldest person in the family and then another (cheaper) policy for the younger spouse (and kids, if they are still dependents). Run the numbers both ways to see.