Doodler, it won't work. LBS doesn't have an insurable interest in the OP. Work it the other way -- insure the cr@p out of the WAS, tell the OP's spouse, and see what happens.
Answer: nothing. Because the LBS will pick-me dance and try to save the marriage. But if the divorce happens the LBS will have at least the possibility of insurance proceeds.
Me42, H40 D12, S8, S7 A revealed: 7/13 Sep 4/14; Agreed to D 1/15