Depends whether you want to protect your spouse from having to deal with sorting out and forking out for your funeral at a time when she's probably not in the best state to deal with it. And, of course, protect whatever money you have to leave from inflation.

I used to have a dread of thinking about my own mortality, and dealing with the nitty-gritty of my funeral, but as I get further and further into the late autumn of my life, and having a wife to consider who is some years younger than me (and very likely to outlive me), I'm far more at ease with it, and protecting her has become my main consideration.