Cause for alarm?

[MrBond]

I think you're overanalyzing things again.

Point is. Do you want to do it or not? If you're going to do it, do it for the right reasons. You can't control what she's going to do with the insurance if you put her with you. If you're uncomfortable with doing so, then don't do it.

My W said the same thing when all this stuff happened. She was going to get some "work" done, go to the gym to start getting a great body, etc. How much of it has she done? zilch.

Not saying your W is going to do the same, but sometimes they say and do things that just pop in their heads. Doesn't necessarily mean they'll follow through on it.