I think it's a good idea to at least have a plan in mind for if your spouse/partner does predecease you. It's something I worry about constantly more and more and everything I can think of to do to make it easier for myself if my huzz goes first, he won't agree to, refuses to discuss it and just says, "You'll be fine; you'll figure it out." I think it makes him angry that I don't want to stay here 'till I have to be "carried feet-first" out of here like him, instead I'd really like and think it would be wise to move within walking distance of at least a grocery store since I don't drive much anymore (and who knows how much longer he's going to be able to).
But when somebody absolutely refuses to talk about something, I don't know that there's anything to be done. (I hear about this so much: both a co-worker and a sister-in-law, if they tried talking to their huzzes about something they didn't want to talk about, their huzzes would just storm out of the house, take off in the car for several hours. And a couple of other gals I know, they insisted on going to a marriage counselor and the huzzes sat there literally not saying one word 'till the counselor said "we're all wasting our time here." So sometimes you're just stuck; I'm beginning to think that deep down inside, too many men buy into that "god put women here on earth just to serve us men.")