Does Life Insurance Go To Credit Card Debt? 
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 . 