If the judgment that is presently against you arose for conduct during your marriage then under the laws of all states in this country the money that you wife may receive under your insurance policy where she is a beneficiary could be subject to levy. The reason is that under the laws of all states in this country the debts of one spouse incurred during the marriage can be levied upon from marital assets.If you pass and your spouse receives the insurance premiums form your life insurance policy, the judgmenet creditor can very well levy upon the money naming her as a beneficiary for payment.