Let's say a person in Texas has a $5K FV whole life policy with a CSV of $3000 and other resources of $300. That person was granted Medicaid eligibility because of a $1,500 life insurance exclusion resulting in resources of $1500 + $300 or $1800, under the $2000 resource limit. Was that an error on the part of the Medicaid screener (which could be caught in the upcoming annual review) and if so what are the consequences? Could that policy somehow be recharacterized into $1500 worth of some sort of burial policy plus a whole life policy with resultant reduced CSV? I am guessing that reduced CSV would be around $1500, resulting in essentially the same situation.