Thank goodness some info dropped into your lap today. I'm sorry, I did think your h was the one that told you. One thought...why is the bank notifying you about him getting life insurance? Is he getting it through the bank?
He's running scared and he thinks he's going to die soon. At least if he gets life insurance, it sounds like your children are going to be named beneficiaries.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
