MICHAEL J. KAPLAN, United States Bankruptcy Judge
This is a Trustee's objection to Debtors' claimed exemption in life insurance policies under 11 U.S.C. 522 and state law. There are two policies owned by the insured individuals, Kenneth and Kathleen Jacobs, respectively, as to which the beneficiaries are the spouse of the owner/insured. (In addition, Mrs. Jacobs is the owner of a third policy naming her spouse as the insured. That policy is clearly exempt.)