You sure seem worried about it. Maybe too much.
You say 100% guarantee? You don't know my family history, nor hers. You only look at numbers on a computer screen and make an ASSumption, based on your reading of what I stated. Ha!
My family has many members still alive in their 90's and even an Aunt and Uncle that were in the 100+ side of life. I am in good health.
Filipino longevity is much shorter, due to life issues of being raised in poverty and want. Early medical care is available only to the wealthy, and there are not that many here.
Yes, there is a good chance she will survive me, but not 100%. My life assurance policy is to establish a good business model, give her a good foundation, and try to live as long as I can.
I am buying property and will build a nice home in her province on a productive farm which will will provide for her latter years, and give me something to stay busy. I hope you have done as much for your spouse, if you have one!
I do have a spouse and she is five years older than I. Given that women live longer on average than men, there’s a very good chance that we will expire at about the same time.
And she is provided for, by her own efforts, having a very good pension plan. Additionally, we have financial assets in common.
I would add that American men tend to marry women younger than themselves—but not 33 years younger! That’s another generation younger. Given that men, on average, live shorter lives than women accounts for the huge number of widows in this country. That makes for a lot of unhappiness.
(Ms.) Patriotic1