Hopefully one of their investments is Long Term Care insurance, or the state might end up getting a lot of that money if one, or both, of them has to go the Medicaid route. Not to mention that the Deficit Reduction Act of 2005 disqualifies anyone from Medicaid who has home equity greater than $500,000 (though CA and few other states can set a higher limit). Note: I'm not involved in profiting from LTC insurance sales in any way. Just glad I bought it a few years back.
Wise move.