Is Life Insurance Cash Value Protected From Creditors In Maryland? 
In all of the states in the United States the cash value as well as the death benefit of life insurance is a protected asset . The reason for this is because life insurance is basically designed to benefit someone other than the insured - that is the beneficiary . So if the cash value or the death benefit were vulnerable to liens or attachments such as in law suits it would be seen as doing harm to the beneficiary , not the insured - even if the owner of the policy is the beneficiary . 