Is Life Insurance Exempt From Creditors In Kentucky? 
That is a great question ! This is one of those cases where planning ahead can save you a ton of worries later . To avoid the hounding of creditors , the proceeds must be left to a named beneficiary . That beneficiary must not be a legal partner to the debt in question , not co-signed , or otherwise legally obligated . Creditors will try to make you think that you have to pay anyway , in hopes that you will , but as long as there are no strings that tie you to that debt , it passes with the loved one . Thanks for asking ! 