 Oops, the spouse at home died. Now what? Who's the beneficiary of all that stuff? What does that all look like? Oh, gee. So you have some life insurance. You have some of this, some of that, a 401k. Guess who my beneficiary is in my 401k? Well, it's not a qualified asset protection trust. It's the spouse in the facility. What happens to that money? Oops. Wrong person died.