OPINION
KENNETH J. MEYERS, Bankruptcy Judge.
The Chapter 7 trustee in this case seeks turnover of the cash surrender value of the debtor's life insurance policies, which the debtor claims as exempt under 735 Ill. Comp. Stat. 5/12-1001(f). At issue is whether the debtor's 20-year-old son, who is the beneficiary of the policies, is "dependent upon the insured" within meaning of the statute so as to entitle his mother, the debtor, to her claimed exemption...
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