Can Creditors Access Life Insurance Proceeds? 
Every state has differing rules on creditors . Most exempt life insurance death benefit proceeds from the claims of creditors . Creditors generally do not hold a position before the beneficiaries of a life insurance policy on benefits paid out . The policy beneficiaries receiving proceeds just before filing chapter seven and six months after may be ruled as property of the bankruptcy estate . Consult your bankruptcy attorney before relying on any information in this post . 