One of the most important reverse mortgage facts is that you absolutely cannot outlive your loan. There is a lot of misinformation that makes seniors worried about being kicked out of their homes due to outliving these loans, but they are not based in reality.
The only way you can default on your loan is if you fail to pay your property taxes or insurance, or if you neglect maintaining your house. Other than that, no reverse mortgage will ever lead to you or your spouse having to stop living in your home.