Can Creditors Go After Life Insurance? 
Creditors can go after life insurance proceeds that are left to the estate . Probate is the process of administering an estate , and when the death benefit from life insurance is left to the estate , those funds are in the pool , and during probate , creditors will go after their share . If life insurance is left to a person as a beneficiary , that person who collects the money is not generally liable for paying the debts of the person who died . State laws differ and there are variations that can affect this , but the general rule is that creditors for the deceased can not go after the life insurance the deceased person left to you . 