Is Life Insurance Exempt From Creditors In Minnesota? 
Life insurance is exempt from creditors in Minnesota if the life insurance is left to a beneficiary other than the estate . If the life insurance goes to the estate -LRB- either on purpose or by default because all the named beneficiaries are dead -RRB- , the money will go through probate , where creditors can collect on it . If the life insurance is left to a person , creditors can not take it -LRB- unless perhaps the beneficiary was a co-signer to the Insured 's debts -RRB- . 