SNF Medicaid spouse owns a $20K Term policy payable to surviving spouse, Non-SNF spouse owns a Whole life $20K policy (on the SNF spouse) payable to surviving spouse. The Whole life policy has some cash value. The Medicaid spouse has an Irrovocable cremation policy that is all paid up. It is assigned to the mortician. The non-Medicaid spouse has a cremation policy that is partially paid up with no specific names of family or morticians. It's assumed the non-Medicaid spouse's policy proceeds will go to the mortician who performs that creamation. It all sounds complicated especially since Medicaid varies from one state to another.