Life insurance proceeds can be taken by creditors if the proceeds go into the estate of the deceased insured person. This happens if the beneficiary of the policy is named "the estate" or if the persons listed as beneficiaries are no longer alive.
If the beneficiary is a living person, the creditors for the deceased cannot go after the insurance proceeds from the beneficiary. If it is the beneficiary who owes debt, creditors may try to access the life insurance money that the beneficiary was left.
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If the beneficiary is a living person, the creditors for the deceased cannot go after the insurance proceeds from the beneficiary. If it is the beneficiary who owes debt, creditors may try to access the life insurance money that the beneficiary was left.