Monotone,
Based on an Alaska cruise, not noting WW (who doesn’t bring in any money) could pay for OM, living in a gated community, wife not working and the benefits your job seems to offer then I guess you are not shifting boxes in a warehouse. Guess you are in a job that requires some proven skill or mental capacity (not suggesting shifting boxed doesn’t though…). So, I’m going to appeal to your capability to think and rationalize.
I have a reputation here on SI of being a relatively no-bullshit sort of guy. I think it’s a result of my law-enforcement training and experience, but I often state that to get out of infidelity you need to deal with reality and cut all drama. What you are dealing with IMHO might be drama, but the risk IF it’s true is too immense. You really need to treat what’s going on with maximum severity. Depending on the size of your community then chances are you won’t be the first jilted dead husband your police department must deal with this year…
You say this was the first infidelity in the marriage, but it’s the second in the relationship. A 6-year relationship… In fact, it’s the second KNOWN infidelity. For all you know there could be a string of OM, or that maybe she and this OM have been at it for all the time. But it doesn’t really matter – ANY infidelity is a strong indicator of something being wrong and there are too many things in THIS present affair that indicate you are in DANGER.
Like others I strongly suspect your WW and the OM of foul-play. I also worry that the present actions might speed up whatever plans they have in mind and think you should take some very serious precautions.
1) Assume the worst. Feeling like a fool a couple of days from now will hurt less than feeling your breath choked out of you or feeling the blood seep from your body.
2) Do NOT go home.
3) Ensure there is no way she can monitor you.
a. Does your phone have any location service? Could she find you using find-my-phone or any other comparable feature?
b. Does she have access to your credit-card transactions online? Could she see a charge from a hotel or rental?
4) Depending on where you go then consider parking your car at the nearest airport and taking a rental car for a couple of days. Even if she can trace the charge she can’t see if it’s a black Toyota or a green Ford.
5) I’m not sure you have enough to get any legal actions started, but (as a former cop) then definitely go to your local police department and voice your concerns.
6) Do you have a family-attorney? Phone him and ask how you can change the BENEFICIARY of the will NOW. At the VERY LEAST then make a notarized documentation stating that in case of foul play the beneficiary is your favorite charity, mom or even SI. You can even do this legally on-line.
7) At the same time make a notarized document outlining what you know.
8) Send your WW an email telling her that you have changed the beneficiary of the insurance temporarily and that the change was done in a legal and accepted manner. Let her know you have shared what you know about her affair and the other man with your attorney and he as a notarized affidavit outlining your story.
9) Contact the manager of the housing project or the chief of security and tell him the guard had pointed out there was someone with an access card provided in your name that you question. Commend the guard for being so vigil and ask that immediately ALL cards allocated to you are made inactive. Ask that one new card is delivered to the house, and that you will pick up a second card on Monday in person.
10) Have a good friend you can confide in? If possible, get to stay with him OR get him to stay with you at the hotel/motel you go to. Take extra precautions – don’t go out after dark. Don’t answer the door. Keep to public places.
The above are the steps I want you to take for NOW. For today and Monday. On Monday go to HR at your company or your manager and be totally honest about your situation. Get the life-insurance issue cleared and MAKE SURE your WW knows of the change and that if anything happens to you the police will be dragging her in even before your body reaches room-temperature.
How to move on from there… Not the issue right now. Usually people either R (reconcile) or D (divorce). We can help you if you get to the stage where you can choose between R or D. This “other” D – dead… we can’t do so much about.