Creditors can go after life insurance proceeds that are left to the estate. Probate is the process of administering an estate, and when the death benefit from life insurance is left to the estate, those funds are in the pool, and during probate, creditors will go after their share.
If life insurance is left to a person as a beneficiary, that person who collects the money is not generally liable for paying the debts of the person who died. State laws differ and there are variations that can affect this, but the general rule is that creditors for the deceased cannot go after the life insurance the deceased person left to you.
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If life insurance is left to a person as a beneficiary, that person who collects the money is not generally liable for paying the debts of the person who died. State laws differ and there are variations that can affect this, but the general rule is that creditors for the deceased cannot go after the life insurance the deceased person left to you.