Legal Question in Insurance Law in Florida

no. she is entitled to an elective share of your Estate, but a life policy with another beneficiary listed wont go through your Estate.

The answer is a flat "no".

There might, however, be a concern if your wife paid for some or all premiums during the period you were or have been married. She could allege that you were "unjustly enriched" in being able to name whomever you want to name as the beneficiary- on her dime.

This is not a legal opinion. It is my observations and you may not rely on my observations. For a legal opinion it is necessary that you formally engage counsel and meet with your attorney one on one.