Good question. In general, No. I say this, because, the estate of a deceased person is typically responsible for his or her debt. If creditors come back to a deceased person's estate to attempt to collect, they do so during the probate process.
When structured correctly, life insurance will be paid directly to a beneficiary, and bypass the probate process.
Now, there are always caveats. If you were a co-owner on the debt, or in the case where a spouse survives the deceased, the creditor may still require payment. Life insurance proceeds could be used to offset this, but in general, life insurance is paid directly to the beneficiary.
If you are the beneficiary of life insurance proceeds and the credit card debt is yours, then what you received from the life insurance policy is fair game for creditors to go after. If the credit card debt you are referring to is the debt solely incurred by the insured person who passed away, then the credit card company cannot go after it, if it was paid to you directly as the beneficiary.
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When structured correctly, life insurance will be paid directly to a beneficiary, and bypass the probate process.
Now, there are always caveats. If you were a co-owner on the debt, or in the case where a spouse survives the deceased, the creditor may still require payment. Life insurance proceeds could be used to offset this, but in general, life insurance is paid directly to the beneficiary.