AIO, Husband wants his benefits to go to his sister

Let me begin by saying my husband (30 m) and I (31 f) operate with a very dark sense of humor. I was in the middle of making dinner when my husband commented that an ingredient I was putting in the dinner was gross and I made a "yeah, so I can poison you and collect the life insurance" joke. He then revealed that if he does have anything left of his life insurance from his time in the military he intends for it to go to his sister. In his words, "If we had kids it would be different. You're independent and make enough to support yourself, she's struggling and has two kids."

Now, he is correct, I do make enough to support myself. It's probably the only reason his finances haven't brought about a divorce. His continued irresponsibility, financial and otherwise, is the reason we don't have kids, and I think part of why I'm so annoyed is because this felt like yet another "you're depriving me of children" jab.

I don't need his money or care about his money, if I did, again we probably would not have made it this far, but I guess on principle it bothers me. To be fair, I do have my dad set up as the beneficiary of my life insurance to ensure that my affairs are in order should anything happen (due to aforementioned irresponsibility), but it has been discussed and it is understood that after my affairs are taken care of, the remainder will be dispersed to my husband, potentially via trust if it has substantial value.

Is this stupid since I don't want the money anyway? I guess I just feel like it was designed to make an unnecessary jab at my resistance to have kids with someone who has only done chores the past several weeks because he's been out of work and can barely pay his bills when he does have a job. Not to mention a rather costly pending court case.