Please try not to jump to conclusions. Maybe she was looking for some other reason.

I know it will be hard, but I seriously think you need to talk to her about what you saw. Ask her to tell you if she was looking at this because she is considering divorce. Ask her how she feels, and let her express it. Even if you feel very upset, let her share her feelings. It's the only way you can find out if she is unhappy in the marriage, and why.

If it's true, maybe by knowing what's bothering her, the two of you can work things out. And, if it isn't about you, then you won't be suffering with the what-if's! I know what torture that is!!

(Also, I'm pretty sure your wife would not be able to collect insurance. I've been told insurance companies won't pay out under that scenario.)