Are you under the impression that you will easily be able to make all financial decisions for your spouse should he/she become incapacitated?

Non-borrowing spouse can remain in the property after the borrowing spouse has passed away, assuming they meet the requirements

As of April 27, 2015, the rules for obtaining a reverse mortgages require the applicant to pass a three-part qualification: credit history analysis, residual income test, review of extenuating circumstances, or compensating factors.