Plot question (spoiler)
I probably missed something but there was something about the plot I did't get.
Since Anne and Chris could not anticipate getting the drug money from the chief, they must have planned to get the insurance money. But why did Anne name chief Matlock to be the new beneficiary before he gave her the money?
If the whole thing was about the drug money, it seems a long shot to count on the chief giving it away just like that.