Does QDRO Apply To Life Insurance? 
QDRO or a Qualified Domestic Relations Order comes through the courts in a divorce case . This order typically deals with divorce settlements concerning finances and retirement plans such as IRAs , Roth IRAs , 401Ks , 403bs and cash value life insurance plans . If you or your ex spouse owns cash value life insurance , then yes , the cash value is included in QDRO calculations . In most cases , term life insurance plans are not included in these calculations because there is no value unless a death occurs . You or your ex spouse can also be court ordered to carry a term life policy to cover alimony and or child support in case of an early death . 