Insurance Payout

I’m not sure if I should be worried or not, but my wife has been asking a lot of questions about my life insurance policy all of a sudden. How much is the payout? Is the payout in a lump sum or in installments? Will they payout only for a natural-looking death, or would any instrument of my demise suffice? Can she still receive a payout from prison?

Possibly even more disturbing than that was the response I got from HR when I asked all of these questions for clarification. The HR Partner simply wrote back, “Would you like to change your beneficiary?”