I think you are forgetting that a mortgage holder has a secured interest in the property. If you die, that interest doesn't go away and neither does the debt. The debt is a claim against your estate and whoever takes title to the house after your death will take it subject to the mortgage. If the mortgage holder stops receiving payments, they are entitled to foreclose on the property.
She only has to pay the mortgage if she wants to stay in the home. If you are concerned about the ability for your estate to pay off the mortgage in the event of your passing, you might take a look at term-life insurance policies that would provide enough to pay off the mortgage and allow your wife to live in the home mortgage-free.
Disclaimer: This answer is provided for informational purposes only, does not constitute legal advice, and does not create an attorney-client relationship. Actual legal advice can only be provided after completing a comprehensive consultation in which all of the relevant facts are discussed and reviewed.
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