Can The IRS Take Your Life Insurance? 
NO , the IRS can not take your Life Insurance . When you die , the beneficiary will receive the death benefit . The IRS will go after the estate to pay any taxes that were owed from the deceased . Probate is the place anyone who is owed money by a person who is deceased , can go and make a claim for some of the estate . As a recipient of a Life Insurance death benefit , you receive the benefit direct from the life insurance company avoiding any probate . 