And who told you that? Think about it the other way around ... your husband signs your name, blows the money, and you sue the bank and the insurance company for giving away your money based on a fradulent signature. I assume from it being an insurance check that it was a large amount, large enough for the bank to pull the signature card. You really don't have much to stand on here. At a minimum you should have signed with your own name to be above-board on what you were doing.
Recently while I was out of town, a check needed to be picked up from a client as a deposit on a job. I had my ex-wife handle it. She just marked it "for deposit only" and put it in my account. Why couldn't you have done that?