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Insurance Exemptions in Bankruptcy - Life, Disability, Survivors Benefits

 

Most states have exemptions for life insurance but it's important to figure out what part of the insurance is exempt. Also disability and survivors benefits are often exempt

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Click your state below to find the exemptions for insurance allowed your state.

You may be limited to your state's exemptions (plus the federal "non-bankruptcy" exemptions), or you may be able to use the federal exemptions listed here.

The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if

  • you haven't lived in any state longer than 180 days for a while,
  • or
  • if your state allows the Federal exemptions as a choice.

 

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