@sozobe,
<Nods with Sozobe's thoughts.>
My instinct is that you can still love him, continue to love him, but for your own life, you need to change what is happening and get it done efficiently - which for me would include divorce. I think I would act on that right away. Or, maybe legal separation somehow... I don't know much about that, if that could work at all, doubt it, think it's the wrong direction to go as any kind of sustained situation.
And I think staying is the wrong direction to go.
You have tried very hard, but you have been affected by his sometimes screwy world, that is not his fault (if I understand that diagnosis at all) but is impossible (to me) as workable in a marriage.
The whole thing about the insurance is a real reality check. Even if he changed his mind one day. This stuff will keep on coming.