How much more complicated with a reverse mortgage if my wife is on the original note (paid off) and she is 59?

I know she would have to be taken off the original mortgage and if I died 1st the loan would become due. She has a terminal lung disease and she feels she will go 1st and is determined to do it this way. What process should I take , is it advisable and what would happen if I would go before her. Any detailed info would be greatly appreciated.

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