Death is not a pleasant subject but...

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when do couples talk about it? Just curious due to the fact that I embroiled in a battle with 2 very close friends who (really) think they will live forever (which is a good attitude but not realistic!)--***** is 70 and ++++ is 85--they have been together for 50+ years--they have never discussed what one would do when/if the other dies first--as I said to +++, "If you love **** as you say you do you would be concerned about what will happen to him if you die tomorrow." Though they are 'comfortable' and their house is paid off **** doesn't' drive (and refuses to learn how to) and they do not live near public transportation (in South Florida that is a BIG problem)--+++ has no idea how to cook, clean, wash, iron or do anything around the house--I have tried to make light of the situations (Hey,****, you could hire a hunky, young driver--+++, you could get a houseboy--with fringe benefits) but they say they will talk about it and don't. Okay, maybe it isn't any of my business but I do care about them--offered a dozen different options but all I get is "We'll talk about it someday"--so what I am getting to here (finally) is wanting to know if you couples on this board have discussed "What if"? Legally they have everything in order--I am worried about personally.