If it’s exempt, then bringing it into the Oklahoma bankruptcy estate under the 180 day rule does not make it non-exempt. The trustee can’t get it. I would maintain it’s also not income for the mean test if you dismiss and refile, but I can see that going the other way. I can’t see it being income as the Census definitions don’t accept lump sum payments as income. Use care in concluding the exempt status, and look at it from the insurance beneficiary’s point of view – H’s estate or W.

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