Consider also if Social Security is a significant part of your retirement budget. If so, then when one of you dies only one SS check, the larger of the two, will be coming in. The other check goes away. So if you need that income, buy enough life insurance to cover the smaller check.
This is an excellent point. It may depend on how you file for benefits, and who dies, and that may determine who carries the life insurance. If the lower earning partner dies, then it might not be a problem, but if the higher earner dies and the lower earner was taking half their benefit, that could be a significant difference.
Also a plug for
short term disability if you are still working--I recently used mine via my employer and it was a major help. It only paid 60% of my salary and there was a 7 day waiting period after I had surgery this spring, but having 60% for seven weeks was a huge relief. Many people think that disability won't happen to them, but my surgery was for a very common orthopedic issue that is typical among young people (young being relative, I'm in my late 30s). Severe illness, hospitalization, cancer, broken limbs, etc. don't just strike the old--they happen to healthy, active people, too. Short term disability is more expensive than long term, but in my case, it was well worth the peace of mind.
I also kind of wonder if OP meant long term
CARE insurance. Those policies are much more complex, and you'd probably want to talk to a broker about how they actually work. There can be many exclusions and issues with them not covering what you thought they would after years of paying into them.