In Ohio and many other states any value of any asset, no matter how long you have been married, is "marital property" to the extent that the value has been created due to contributions of marital money or marital effort, unless there is a prenuptial agreement providing differently. Wheether you will "receive" part or all of the value of the policy (the cash value) will depend upon what other assets and debts you might receive or become responsible for in any divorce or dissolution.
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