Can The IRS Go After Life Insurance Proceeds? 
When speaking of the life insurance death benefit that is left to a person , the IRS generally can not seize the life insurance proceeds from the beneficiary . There are exceptions , such as if the beneficiary filed jointly with the deceased person who owes money to the IRS . The beneficiary being a minor may also present a problem . But as long as the death benefit does not to to the estate , but to a person who is not implicated in that debt , the IRS can not take the death benefit away from you in most cases . 