Can Creditors Access Life Insurance? 
It depends on the state and how the life insurance is owned . Life insurance is one of a very few forms of property that is inherently protected from creditor claims . But in many states , the protection is limited in scope and/or by relatively small amounts . For example , in California , the protection limit is less than $ 10,000 , while in Hawaii and Florida there is n't a limit . Asset protection is a complex area of the law so check with an experienced attorney who can advise you . 