Joint-Life Coverage - Need and Merit

I have a question, actually 3 questions all related to Joint Life for the American participants at this forum:

Do you find need and merit for Joint, first-to-die coverage for such as mortgage or other large debt elimination upon the occurrence of the first death among 2 persons?

Do you find need and merit for Joint, second-to-die (premium payments to either the first or second death) for such as estate preservation, tax liability mitigation, etc.

Would you consider having multiple carrier cost comparisons for Joint Life as a valuable feature on multiple-carrier life insurance cost com
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