Insurance Exemptions — State System
North Dakota State Law Insurance Exemptions
Federal Non-Bankruptcy Insurance Exemptions
(available if using State System of exemptions)
Federal System § 522(d) — Insurance Exemptions
Can North Dakota debtors use the Federal Bankruptcy exemptions instead of North Dakota exemptions?
No. N.D. Cent. Code § 28-22-17.
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.