Life policies generally do not form part of the estate at the time of the dissolution of the marriage, so that should not prejudice you.
With regards ***** ***** rid of the investments, that would reduce her estate and that would potentially increase the accrual that she is entitled to. But, there is nothing that you can do about that.
You can, under section 8 of the Matrimonial Property Act, apply to court for an immediate division of the accrual. In other words, the accrual claim will be enforced without the need to get divorced first. The court will then also change the matrimonial property system to one out of community of property, excluding accrual and profit and loss.
This would be a High Court application for which you are going to need the assistance of an attorney.
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