W. Va. Code § 33-6-28 :: Insurance — Life, Disability Exemptions : West Virginia Bankruptcy Law

50 State Insurance — Life, Disability Exemptions

Alaska Stat. § 09.38.015 (b) - Disability benefits
Alaska Stat. § 09.38.030 (e)(1),(5) - Disability benefits
Alaska Stat. § 21.84.240 - Fraternal benefit society benefits
Alaska Stat. § 09.38.025 - Life insurance or annuity contract[s], total aggregate cash surrender value to $500,000
Alaska Stat. § 09.38.015 (a)(3) - Medical, surgical, or hospital benefits
Alaska Admin. Code tit. 8, § 95.030 (c) - Life insurance or annuity contract[s], total aggregate cash surrender value to $500,000
Ala. Code § 6-10-8 - Life insurance proceeds and 100% of cash value (by loan or surrender)
Ala. Code § 27-14-32 - Annuity proceeds or avails to $250 per month
Ala. Code § 27-14-31 - Disability proceeds or avails to an average of $250 per month
Ala. Code § 6-10-8 - Fraternal benefit society benefits
Ala. Code § 27-14-29 - Fraternal benefit society benefits
Ala. Code § 27-15-26 - Life insurance proceeds or avails if clause prohibits proceeds from being used to pay beneficiary's creditors
Ala. Code § 27-30-25 - Mutual aid association benefits
Ala. Code § 27-34-1 - Fraternal benefit society benefits
Ala. Code § 27-30-1 - Mutual aid association benefits
Ala. Code § 27-34-27 - Fraternal benefit society benefits
Ala. Code § 27-14-29 - Life insurance proceeds and 100% of cash value (by loan or surrender)
In re Holt, 894 F.2d 1005 (8th Cir. 1990) - Life, health, accident, or disability cash value or proceeds paid or due to $500
Ark. Code Ann. � 23-79-134 - Annuity contract
Ark. Code Ann. � 23-79-133 - Disability benefits
Ark. Code Ann. � 23-74-403 - Fraternal benefit society benefits
Ark. Code Ann. � 23-79-132 - Group life insurance
In re Holt, 97 B.R. 997 (W.D. Ark. 1988) - Life, health, accident, or disability cash value or proceeds paid or due to $500
Ark. Code Ann. � 16-66-209 - Life, health, accident, or disability cash value or proceeds paid or due to $500
Ark. Const. Art. 9, � 1 - Life, health, accident, or disability cash value or proceeds paid or due to $500
Ark. Const. Art. 9, � 2 - Life, health, accident, or disability cash value or proceeds paid or due to $500
Ark. Code Ann. � 23-79-131 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Ark. Code Ann. � 23-79-131 - Life insurance proceeds or avails if beneficiary isn't the insured
Ark. Code Ann. � 23-72-114 - Mutual assessment life or disability benefits to $1,000
Ark. Code Ann. � 23-71-112 - Stipulated insurance premiums
Ariz. Rev. Stat. § 33-1126 (A)(7) - Annuity contract if beneficiary is dependent & owned at least two years
Ariz. Rev. Stat. § 20-877 - Fraternal benefit society benefits
Ariz. Rev. Stat. § 20-1132 - Group life insurance policy or proceeds
Ariz. Rev. Stat. § 33-1126 (A)(4) - Health, accident, or disability benefits
Ariz. Rev. Stat. § 33-1126 (A)(6) - Life insurance cash value if beneficiary is dependent & owned at least two years
Ariz. Rev. Stat. § 20-1131 (D) - Life insurance cash value if beneficiary is dependent & owned at least two years
Ariz. Rev. Stat. § 33-1126 (A)(1) - Life insurance or annuity proceeds to $20,000 if beneficiary is spouse or child
Cal. Civ. Proc. Code § 704.170 - Fraternal Benefit Society benefits
Cal. Civ. Proc. Code § 704.120 - Fraternal unemployment benefits
Cal. Civ. Proc. Code § 704.100 (b) - Unmatured life insurance policy loan value to $15,520 (husband & wife may double)
Cal. Civ. Proc. Code § 704.100 (c) - Matured life insurance benefits needed for support
Cal. Ins. Code § 10132 - Life insurance proceeds or avails if clause prohibits proceeds from being used to pay beneficiary's creditors
Cal. Ins. Code § 10170 - Life insurance proceeds or avails if clause prohibits proceeds from being used to pay beneficiary's creditors
Cal. Ins. Code § 10171 - Life insurance proceeds or avails if clause prohibits proceeds from being used to pay beneficiary's creditors
Cal. Civ. Proc. Code § 704.720 (b) - Homeowners' insurance proceeds for 6 months after received, to homestead exemption amount
Cal. Lab. Code § 404 - Fidelity bonds
Cal. Civ. Proc. Code § 703.140 (b)(7) - Unmatured life insurance policy other than credit insurance
Cal. Civ. Proc. Code § 703.140 (b)(8) - Unmatured life insurance contract accrued avails to $17,075
Cal. Civ. Proc. Code § 703.140 (b)(11)(C) - Life insurance proceeds needed for support of family
Cal. Civ. Proc. Code § 703.140 (b)(10)(C) - Disability benefits
Colo. Rev. Stat. � 10-16-212 - Disability benefits to $200 per month; if receive lump sum, entire amount exempt
Colo. Rev. Stat. � 38-41-209 - Homeowners' insurance proceeds for 1 year after received, to homestead exemption amount
Colo. Rev. Stat. § 13-54-102 (1)(l) - Life insurance cash surrender value to $100,000, except contributions to policy within past 48 months
Colo. Rev. Stat. � 10-7-106 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Conn. Gen. Stat. Ann. § 52-352b (p) - Disability benefits paid by association for its members
Conn. Gen. Stat. Ann. § 38a-637 - Fraternal benefit society benefits
Conn. Gen. Stat. Ann. § 52-352b (e) - Health or disability benefits
Conn. Gen. Stat. Ann. § 38a-454 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Conn. Gen. Stat. Ann. § 38a-453 - Life insurance proceeds or avails
Conn. Gen. Stat. Ann. § 52-352b (s) - Unmatured life insurance policy avails to $4,000 if beneficiary is dependent
D.C. Code Ann. § 15-501 (a)(7) - Disability benefits
D.C. Code Ann. § 31-5315 - Fraternal benefit society benefits
D.C. Code Ann. § 31-4717 - Group life insurance policy or proceeds
D.C. Code Ann. § 15-501 (a)(11) - Life insurance payments
D.C. Code Ann. § 31-4719 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
D.C. Code Ann. § 31-4716 - Life insurance proceeds or avails
D.C. Code Ann. § 15-503 - Other insurance proceeds to $200 per month, maximum 2 months, for head of family; else $60 per month
D.C. Code Ann. § 15-501 (a)(5) - Unmatured life insurance contract other than credit life insurance (a)(5)
D.C. Code Ann. § 31-4716.01 - Disability benefits
Del. Code Ann. tit. 18, § 2728 - Annuity contract proceeds
Del. Code Ann. tit. 18, § 6218 - Fraternal benefit society benefits
Del. Code Ann. tit. 18, § 2727 - Group life insurance policy or proceeds
Del. Code Ann. tit. 18, § 2726 - Health or disability benefits
Del. Code Ann. tit. 18, § 2729 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Del. Code Ann. tit. 18, § 2725 - Life insurance proceeds or avails
Del. Code Ann. tit. 10, § 4915 (a),(f) - Life insurance or annuity contracts as defined by IRC �1035(b)
Del. Code Ann. tit. 10, § 4915 - Life insurance proceeds or avails
Del. Code Ann. tit. 10, § 4915 - Annuity contract proceeds
In re Pizzi, 153 B.R. 357 (S.D. Fla. 1993) - Annuity contract proceeds; does not include lottery winnings
Fla. Stat. Ann. § 222.14 - Annuity contract proceeds; does not include lottery winnings
Fla. Stat. Ann. § 222.13 - Death benefits payable to a specific beneficiary, not the deceased's estate
Fla. Stat. Ann. § 222.18 - Disability or illness benefits
Fla. Stat. Ann. § 632.619 - Fraternal benefit society benefits
Fla. Stat. Ann. § 222.14 - Life insurance cash surrender value
Ga. Code Ann. § 33-29-15 - Disability or health benefits to $250 per month
Ga. Code Ann. § 33-15-62 - Fraternal benefit society benefits
Ga. Code Ann. § 33-30-10 - Group insurance
Ga. Code Ann. § 33-25-11 - Proceeds of life insurance
Ga. Code Ann. § 44-13-100 (a)(11)(C) - Life insurance proceeds if policy owned by someone you depended on, needed for support
Ga. Code Ann. § 44-13-100 (a)(8) - Unmatured life insurance contract
Ga. Code Ann. § 44-13-100 (a)(9) - Unmatured life insurance dividends, interest, loan value, or cash value to $2,000 if beneficiary is you or someone you depend on
Ga. Code Ann. § 33-28-7 - Annuity & endowment contract benefits
Ga. Code Ann. § 33-26-5 - Proceeds and avails of industrial life insurance
Haw. Rev. Stat. § 431:10-231 - Accident, health, or sickness benefits
Haw. Rev. Stat. § 432:2-403 - Fraternal benefit society benefits
Haw. Rev. Stat. § 431:10-233 - Group life insurance policy or proceeds
Haw. Rev. Stat. § 431:10-234 - Life or health insurance policy for spouse or child
Haw. Rev. Stat. § 431:10D-112 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Haw. Rev. Stat. § 431:10-232 (b) - Annuity contract or endowment policy proceeds if beneficiary is insured's spouse, child, or parent
Iowa Code § 509A.9 - Accident, disability, health, illness, or life proceeds or avails
Iowa Code § 627.6 (8)(c) - Disability or illness benefit
Iowa Code § 509.12 - Employee group insurance policy or proceeds
Iowa Code § 512B.18 - Fraternal benefit society benefits
Iowa Code § 627.6 (6) - Life insurance proceeds paid to spouse, child, or other dependent (limited to $10,000 if acquired within 2 years of filing for bankruptcy)
Iowa Code § 627.6 (6)(c) - Upon death of insured, up to $15,000 total proceeds from all matured life, accident, health, or disability policies exempt from beneficiary's debts contracted before insured's death
Iowa Code § 508.32 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Iowa Code § 627.6 (6) - Accident, disability, health, illness, or life proceeds or avails
Idaho Code § 63-3022K - Medical, surgical, or hospital care benefits & amount in medical savings account
Idaho Code § 11-604 (1)(a) - Death or disability benefits
Idaho Code § 41-1834 - Death or disability benefits
Idaho Code § 41-3218 - Fraternal benefit society benefits
Idaho Code § 41-1835 - Group life insurance benefits
Idaho Code § 55-1008 - Homeowners' insurance proceeds to amount of homestead exemption
Idaho Code § 41-1930 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Idaho Code § 11-604 (d) - Life insurance proceeds or avails for beneficiary other than the insured
Idaho Code § 41-1833 - Life insurance proceeds or avails for beneficiary other than the insured
Idaho Code § 11-603 (5) - Medical, surgical, or hospital care benefits & amount in medical savings account
Idaho Code § 11-605 (9) - Unmatured life insurance contract, other than credit life insurance, owned by debtor
Idaho Code § 11-605 (10) - Unmatured life insurance contract interest or dividends to $5,000 owned by debtor or person debtor depends on
Idaho Code § 41-1836 - Annuity contract proceeds to $1,250 per month; if no payments currently being made, cash surrender value to amount of premiums paid during six months before filing.
735 Ill. Comp. Stat. 5/12-1001 (g)(3) - Health or disability benefits
735 Ill. Comp. Stat. 5/12-907 - Homeowners' proceeds if home destroyed, to $15,000
215 Ill. Comp. Stat. 5/238 - Life insurance, annuity proceeds, or cash value if beneficiary is insured's child, parent, spouse, or other dependent; or a trust for their benefit.
735 Ill. Comp. Stat. 5/12-1001 (f) - Life insurance, annuity proceeds, or cash value if beneficiary is insured's child, parent, spouse, or other dependent; or a trust for their benefit.
735 Ill. Comp. Stat. 5/12-1001 (h)(3) - Life insurance proceeds to a spouse or dependent of debtor to extent needed for support
In re Shethi, 389 B.R. 588 (Bankr.N.D.Ill. 2008) - Life insurance proceeds to a spouse or dependent of debtor to extent needed for support
In re Stilwell, 321 B.R. 471 (C.D.Ill. 2005) - Life insurance, annuity proceeds, or cash value if beneficiary is insured's child, parent, spouse, or other dependent; or a trust for their benefit.
In re Ashley, 317 B.R. 352 (Bankr.C.D.Ill. 2004) - Life insurance, annuity proceeds, or cash value if beneficiary is insured's child, parent, spouse, or other dependent; or a trust for their benefit.
215 Ill. Comp. Stat. 5/299.1a - Fraternal benefit society benefits
In re Dry, 348 B.R. 475 (Bkrtcy.C.D.Ill 2006) - Life insurance proceeds to a spouse or dependent of debtor to extent needed for support
Ind. Code Ann. § 27-1-12-29 - Group life insurance policy
Ind. Code Ann. § 27-11-6-3 - Fraternal benefit society benefits
Ind. Code Ann. § 27-1-12-14 - Life insurance policy, proceeds, cash value, or avails if beneficiary is insured's spouse or dependent
Ind. Code Ann. § 27-2-5-1 - Life insurance proceeds if clause prohibits proceeds to be used to pay beneficiary's creditors
Ind. Code Ann. § 27-8-3-23 - Mutual life or accident proceeds to extent necessary for debtor's reasonable living expenses.
Ind. Code Ann. § 27-1-12-17.1 - Employer's life insurance policy on employee
In re Stinnet, 321 B.R. 477 (S.D.Ind. 2005) - Mutual life or accident proceeds to extent necessary for debtor's reasonable living expenses.
Kan. Stat. Ann. § 16-328 - Cemetery merchandise trust
Kan. Stat. Ann. § 60-2313 (a)(8) - Fraternal life insurance benefits
Kan. Stat. Ann. § 60-2313 (a)(7) - Cash value of life insurance; not exempt if obtained within 1 year prior to bankruptcy with fraudulent intent.
Kan. Stat. Ann. § 40-414 (b) - Cash value of life insurance; not exempt if obtained within 1 year prior to bankruptcy with fraudulent intent.
Kan. Stat. Ann. § 40-414 (a) - Life insurance proceeds
Kan. Stat. Ann. § 60-2313 (a)(1) - Disability and illness benefits
Ky. Rev. Stat. Ann. § 427.110 (1) - Cooperative life or casualty insurance benefits
Ky. Rev. Stat. Ann. § 427.110 (2) - Fraternal benefit society benefits
Ky. Rev. Stat. Ann. § 304.14-320 - Group life insurance proceeds
Ky. Rev. Stat. Ann. § 304.14-310 - Health or disability benefits
Ky. Rev. Stat. Ann. § 304.14-340 - Life insurance policy if beneficiary is a married woman
Ky. Rev. Stat. Ann. § 304.14-350 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Ky. Rev. Stat. Ann. § 304.14-300 - Life insurance proceeds or cash value if beneficiary is someone other than insured
Ky. Rev. Stat. Ann. § 304.14-330 - Annuity contract proceeds to $350 per month
La. Rev. Stat. Ann. § 22:944 - Group insurance policies or proceeds
La. Rev. Stat. Ann. § 22:1015 - Health, accident, or disability proceeds or avails
La. Rev. Stat. Ann. § 22:912 - Life insurance proceeds or avails; if policy issued within 9 months of filing, exempt only to $35,000
La. Rev. Stat. Ann. § 22:912 - Annuity contract proceeds and avails
La. Rev. Stat. Ann. § 22:941 - Group insurance policies or proceeds
La. Rev. Stat. Ann. § 22:298 - Fraternal benefit society benefits
Mass. Gen. Laws ch. 175, § 110A - Disability benefits to $400 per week
Mass. Gen. Laws ch. 175, § 36B - Disability benefits to $400 per week
Mass. Gen. Laws ch. 176, § 22 - Fraternal benefit society benefits
Mass. Gen. Laws ch. 175, § 132C - Group annuity policy or proceeds
Mass. Gen. Laws ch. 175, § 135 - Group life insurance policy
Mass. Gen. Laws ch. 175, § 125 - Life or endowment policy, proceeds, or cash value
Mass. Gen. Laws ch. 175, § 126 - Life insurance policy if beneficiary is married woman
Mass. Gen. Laws ch. 175, § 119A - Life insurance or annuity contract proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Mass. Gen. Laws ch. 175F, § 15 - Medical malpractice self-insurance
Md. Code Ann., [Cts. & Jud. Proc.] § 11-504 (b)(2) - Disability or health benefits, including court awards, arbitrations, & settlements
Md. Code Ann., [Ins.] § 8-431 - Fraternal benefit society benefits
Md. Code Ann., [Est. & Trusts] § 8-115 - Fraternal benefit society benefits
Md. Code Ann., [Ins.] § 16-111 (a) - Life insurance or annuity contract proceeds or avails if beneficiary is insured's dependent, child, or spouse
Md. Code Ann., [Est. & Trusts] § 8-115 - Life insurance or annuity contract proceeds or avails if beneficiary is insured's dependent, child, or spouse
Md. Code Ann., [Com. Law] § 15-601.1 (3) - Medical insurance benefits deducted from wages plus medical insurance payments to $145 per week or 75% of disposable wages
Me. Rev. Stat. Ann. tit. 24-A, § 2431 - Annuity proceeds to $450 per month
Me. Rev. Stat. Ann. tit. 14, § 4422 (13)(A),(C) - Disability or health proceeds, benefits, or avails
Me. Rev. Stat. Ann. tit. 24-A, § 2429 - Disability or health proceeds, benefits, or avails
Me. Rev. Stat. Ann. tit. 25, § 1612 - Death benefit for police, fire, or emergency medical personnel who die in the line of duty
Me. Rev. Stat. Ann. tit. 24-A, § 4118 - Fraternal benefit society benefits
Me. Rev. Stat. Ann. tit. 24-A, § 2430 - Group health or life policy or proceeds
Me. Rev. Stat. Ann. tit. 14, § 4422 (14)(C) - Life, endowment, annuity, or accident policy, proceeds or avails
Me. Rev. Stat. Ann. tit. 24-A, § 2428 - Life, endowment, annuity, or accident policy, proceeds or avails
Me. Rev. Stat. Ann. tit. 14, § 4422 (11) - Life insurance policy, interest, loan value, or accrued dividends for policy from person you depended on, to $5,000
Me. Rev. Stat. Ann. tit. 14, § 4422 (10) - Unmatured life insurance policy, except credit insurance policy
Mich. Comp. Laws § 600.5451 (1)(j) - Disability, mutual life, or health benefits
In re Sassak, 426 B.R. 680 (Bankr. E.D. Mich 2010) - Life insurance
Baltrusaitis v. Cook, 435 N.W.2d 417 (Mich.App.,1988 ) - Life, endowment, or annuity proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
But see, In re Olson, 424 B.R. 770 (Bkrtcy.E.D.Mich.,2010 ) - Life, endowment, or annuity proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Mich. Comp. Laws § 500.2210 - Employer-sponsored life insurance policy or trust fund
Mich. Comp. Laws § 500.8181 - Fraternal benefit society benefits
Mich. Comp. Laws § 500.2207 - Life insurance
Mich. Comp. Laws § 500.4054 - Life, endowment, or annuity proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Minn. Stat. Ann. § 550.39 - Accident or disability proceeds
Minn. Stat. Ann. § 64B.18 - Fraternal benefit society benefits
Minn. Stat. Ann. § 550.37 subd. 10 - Life insurance proceeds to $50,000, if beneficiary is spouse or child of insured, plus $12,500 per dependent
Minn. Stat. Ann. § 550.37 subd. 11 - Police, fire, or beneficiary association benefits
Minn. Stat. Ann. § 550.37 subd. 23 - Unmatured life insurance contract dividends, interest, or loan value to $10,000 if insured is debtor or person debtor depends on
Mo. Rev. Stat. § 513.430 1.(10)(c) - Disability or illness benefits
Mo. Rev. Stat. § 513.430 1.(8) - Fraternal benefit society benefits to $5,000, bought over 6 months before filing
Mo. Rev. Stat. § 513.430 1.(8) - Life insurance dividends, loan value, or interest to $5,000, bought over 6 months before filing
Mo. Rev. Stat. § 377.330 - Stipulated insurance premiums
Mo. Rev. Stat. § 513.430 1.(7) - Unmatured life insurance policy
Mo. Rev. Stat. § 377.090 - Assessment plan or life insurance proceeds
Miss. Code Ann. § 85-3-1 (b)(ii) - Disability benefits
Miss. Code Ann. § 85-3-11 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Miss. Code Ann. § 83-29-39 - Fraternal benefit society benefits
Miss. Code Ann. § 85-3-23 - Homeowners' insurance proceeds to $75,000
Miss. Code Ann. § 83-7-5 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Mont. Code Ann. § 25-13-608 (1)(k) - Debtor's interest in any unmatured life insurance contracts owned by the debtor
Mont. Code Ann. § 25-13-608 (1)(d) - Disability or illness proceeds, avails, or benefits
Mont. Code Ann. § 33-15-513 - Disability or illness proceeds, avails, or benefits
Mont. Code Ann. § 33-7-522 - Fraternal benefit society benefits
Mont. Code Ann. § 33-15-512 - Group life insurance policy or proceeds
Mont. Code Ann. § 80-2-245 - Hail insurance benefits
Mont. Code Ann. § 33-20-120 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Mont. Code Ann. § 25-13-608 (1)(f) - Medical, surgical, or hospital care benefits
Mont. Code Ann. § 25-13-608 (1)(k) - Unmatured life insurance contracts
Mont. Code Ann. § 25-13-608 (1)(k) - Group life insurance policy or proceeds
Mont. Code Ann. § 33-15-511 - Life Insurance: Assigned policies
Mont. Code Ann. § 33-15-514 - Annuity contract proceeds to $350 per month
N.C. Gen. Stat. § 58-58-165 - Employee group life policy or proceeds
N.C. Const. art. X § 5 - Life insurance on spouse or children
N.C. Gen. Stat. § 1C-1601 (a)(6) - Life insurance on spouse or children
N.C. Gen. Stat. § 58-24-85 - Fraternal benefit society benefits
N.D. Cent. Code § 28-22-03.1 (4) - Any unmatured life insurance contract owned by the debtor, other than a credit life insurance contract
N.D. Cent. Code § 26.1-33-40 - Life insurance proceeds payable to deceased's estate, not to a specific beneficiary
N.D. Cent. Code § 28-22-03.1 (5) - Life insurance surrender value to $100,000 on policy insuring debtor or dependent
N.D. Cent. Code § 26.1-15.1-18 - Fraternal benefit society benefits
N.D. Cent. Code § 26.1-33-40 - Fraternal benefit society benefits
Neb. Rev. Stat. § 44-371 - Life insurance proceeds and avails to $100,000.
Neb. Rev. Stat. § 44-1089 - Fraternal benefit society benefits to $100,000 loan value from assets established more than three years prior to bankruptcy; no exemption if beneficiary convicted of a crime related to benefits
N.H. Rev. Stat. Ann. § 418:17 - Fraternal benefit society benefits
N.H. Rev. Stat. Ann. § 512:21 (VIII) - Homeowners' insurance proceeds to $5,000
N.H. Rev. Stat. Ann. § 402:69 - Firefighters' aid insurance
N.H. Rev. Stat. Ann. § 408:1 - Life insurance proceeds, but not cash value
N.H. Rev. Stat. Ann. § 408:2 - Life insurance proceeds, but not cash value
In re Monahan, 171 B.R. 710 (Bkrtcy D. N.H. 1994) - Life insurance proceeds, but not cash value
N.J. Stat. Ann. § 17B:24-10 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
N.J. Stat. Ann. § 17:44B-1 - Fraternal benefit socieity benefits
N.J. Stat. Ann. § 17:18-12 - Disability benefits
N.J. Stat. Ann. § 17B:24-8 - Health or disability benefits
N.J. Stat. Ann. App. A:9-57.2 - Disability, death, medical, or hospital benefits for civil defense workers
N.J. Stat. Ann. § 17B:24-9 - Group life or health policy or proceeds
N.J. Stat. Ann. App. A:9-57.6 - Disability, death, medical, or hospital benefits for civil defense workers
N.J. Stat. Ann. § 38A:4-8 - Disability or death benefits for military member
N.J. Stat. Ann. § 17B:24-7 - Annuity contract proceeds to $500 per month
N.J. Stat. Ann. § 17B:24-6 (b) - Life insurance proceeds or avails if you're not the insured
N.M. Stat. Ann. § 42-10-4 - Benevolent association benefits to $5,000
N.M. Stat. Ann. § 59A-44-18 - Fraternal benefit society benefits
N.M. Stat. Ann. § 42-10-3 - Life, accident, health, or annuity benefits, withdrawal or cash value, if beneficiary is a New Mexico resident
N.M. Stat. Ann. § 42-10-5 - Life insurance proceeds
Nev. Rev. Stat. Ann. § 695A.220 - Fraternal benefit society benefits
Nev. Rev. Stat. Ann. § 687B.280 - Group life or health policy or proceeds
Nev. Rev. Stat. Ann. § 687B.270 - Health proceeds or avails
In re Bower, 234 B.R. 109 (Nev. 1999) - Life insurance policy or proceeds (no limit)
Nev. Rev. Stat. Ann. § 21.090 (1)(k) - Life insurance policy or proceeds (no limit)
Nev. Rev. Stat. Ann. § 687B.260 - Life insurance proceeds if you're not the insured
Nev. Rev. Stat. Ann. § 687B.290 - Annuity contract proceeds. (no limit)
Nev. Rev. Stat. Ann. § 21.090 (1)(ee) - Private disability insurance plan proceeds
N.Y. Ins. Law § 3212 (d) - Annuity contract benefits due the debtor, if debtor paid for the contract; $5,000 limit if purchased within 6 mos. prior to filing & not tax-deferred
N.Y. Debt. & Cred. Law § 283 (1) - Annuity contract benefits due the debtor, if debtor paid for the contract; $5,000 limit if purchased within 6 mos. prior to filing & not tax-deferred
N.Y. CPLR § 5205 (i) - Cash surrender value of life insurance
N.Y. Ins. Law § 3212 (c) - Disability or illness benefits to $400/month
N.Y. Est. Powers & Trusts Law § 7-1.5 (a)(2) - Life insurance proceeds left at death with the insurance company, if clause prohibits proceeds from being used to pay beneficiary's creditors
N.Y. Ins. Law § 3212 (b) - Life insurance proceeds and avails if the beneficiary is not the debtor, or if debtor's spouse has taken out policy
Ohio Rev. Code Ann. § 3923.19 - Disability benefits needed for support
Ohio Rev. Code Ann. § 2329.66 (A)(6)(e) - Disability benefits needed for support
Ohio Rev. Code Ann. § 3921.18 - Fraternal benefit society benefits
Ohio Rev. Code Ann. § 2329.66 (A)(6)(d) - Fraternal benefit society benefits
Ohio Rev. Code Ann. § 3917.05 - Group life insurance policy or proceeds
Ohio Rev. Code Ann. § 2329.66 (A)(6)(c) - Group life insurance policy or proceeds
Ohio Rev. Code Ann. § 3911.10 - Life, endowment, or annuity contract avails for your spouse, child, or dependent
Ohio Rev. Code Ann. § 2329.66 (A)(6)(b) - Life, endowment, or annuity contract avails for your spouse, child, or dependent
Ohio Rev. Code Ann. § 3911.12 - Life insurance proceeds for a spouse
Ohio Rev. Code Ann. § 3911.14 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Ohio Rev. Code Ann. § 2329.63 - Benevolent society benefits to $5,000
Ohio Rev. Code Ann. § 2329.66 (A)(6)(a) - Benevolent society benefits to $5,000
36 Okla. Stat. Ann. § 2410 - Assessment or mutual benefits
36 Okla. Stat. Ann. § 2718.1 - Fraternal benefit society benefits
36 Okla. Stat. Ann. § 6125 - Funeral benefits prepaid & placed in trust
36 Okla. Stat. Ann. § 3632 - Group life policy or proceeds
36 Okla. Stat. Ann. § 3631.1 - Life, health, accident, & mutual benefit insurance proceeds & cash value, if clause prohibits proceeds from being used to pay beneficiary's creditors
36 Okla. Stat. Ann. § 2510 - Limited stock insurance benefits
36 Okla. Stat. Ann. § 3631.1 - Annuity benefits & cash value
Or. Rev. Stat. § 743.049 - Annuity contract benefits to $500 per month
Or. Rev. Stat. § 748.207 - Fraternal benefit society benefits
Or. Rev. Stat. § 743.047 - Group life policy or proceeds not payable to insured
Or. Rev. Stat. § 743.050 - Health or disability proceeds or avails
Or. Rev. Stat. § 743.046 - Life insurance proceeds or cash value if you are not the insured
Or. Rev. Stat. § 743.047 - Life insurance proceeds or cash value if you are not the insured
Or. Rev. Stat. § 18.348 - Fraternal benefit society benefits
42 Pa. Cons. Stat. Ann. § 8124 (c)(1),(8) - Fraternal benefit society benefits
42 Pa. Cons. Stat. Ann. § 8124 (c)(5) - Group life policy or proceeds
42 Pa. Cons. Stat. Ann. § 8124 (c)(3) - Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month
42 Pa. Cons. Stat. Ann. § 8124 (c)(6) - Life insurance annuity policy cash value or proceeds if beneficiary is insured's dependent, child or spouse
42 Pa. Cons. Stat. Ann. § 8124 (c)(4) - Life insurance and annuity proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
42 Pa. Cons. Stat. Ann. § 8124 (c)(9) - No-fault automobile insurance proceeds
42 Pa. Cons. Stat. Ann. § 8124 (c)(7) - Accident or disability benefits
R.I. Gen. Laws § 27-18-24 - Accident or sickness proceeds, avails, or benefits
R.I. Gen. Laws § 27-25-18 - Fraternal benefit society benefits 27-25-18
R.I. Gen. Laws § 27-4-12 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
R.I. Gen. Laws § 28-41-32 - Temporary disability insurance
S.C. Code Ann. § 38-63-40 (B) - Proceeds of life insurance or annuity contract held by insurer, by agreement.
S.C. Code Ann. § 15-41-30 (A)(8) - Proceeds & cash surrender value of life insurance payable to beneficiary other than insured's estate and for the express benefit of insured's spouse, children, or dependents (must be purchased 2 years before filing to avoid $4,000 cap)
S.C. Code Ann. § 38-65-90 - Group life insurance proceeds; cash value to $50,000
S.C. Code Ann. § 38-38-330 - Fraternal benefit society benefits
S.C. Code Ann. § 38-63-50 - Benefits accruing under life insurance policy after death of insured, where proceeds left with insurance company pursuant to agreement; benefits not exempt from action to recover necessaries if parties agree
S.C. Code Ann. § 38-65-90 - Disability or illness benefits;
S.C. Code Ann. § 38-63-40 (A)(11)(c) - Disability or illness benefits;
S.C. Code Ann. § 15-41-30 (A)(9) - Life insurance avails from policy for person you depended on to $5,375
S.C. Code Ann. § 15-41-30 (A)(11)(c) - Life insurance proceeds from policy for person you depended on, needed for support
S.C. Code Ann. § 38-63-40 (A) - Proceeds & cash surrender value of life insurance payable to beneficiary other than insured's estate and for the express benefit of insured's spouse, children, or dependents (must be purchased 2 years before filing to avoid $4,000 cap)
S.C. Code Ann. § 38-63-40 (D) - Accident & disability benefits
S.C. Code Ann. § 15-41-30 (A)(8) - Unmatured life insurance contract, except credit insurance policy
S.D. Codified Laws Ann. § 58-12-6 - Annuity contract proceeds to $250 per month
S.D. Codified Laws Ann. § 58-12-8 - Annuity contract proceeds to $250 per month
S.D. Codified Laws Ann. § 58-12-4 - Endowment, life insurance, policy proceeds to $20,000; if policy issued by mutual aid or benevolent society, cash value to $20,000
S.D. Codified Laws Ann. § 58-37A-18 - Fraternal benefit society benefits
S.D. Codified Laws Ann. § 58-12-4 - Health benefits to $20,000
S.D. Codified Laws Ann. § 58-15-70 - Life insurance proceeds, if clause prohibits proceeds from being used to pay beneficiary's creditors
S.D. Codified Laws Ann. § 43-45-6 - Life insurance proceeds to $10,000, if beneficiary is surviving spouse or child
Tenn. Code Ann. § 26-2-110 - Accident, health, or disability benefits for resident & citizen of Tennessee
Tenn. Code Ann. § 26-2-111 (1)(C) - Disability or illness benefits
Tenn. Code Ann. § 56-25-403 - Fraternal benefit society benefits
Tenn. Code Ann. § 56-7-203 - Life insurance or annuity
Tex. Ins. Code Ann. § 885.316 - Fraternal benefit society benefits
Tex. Ins. Code Ann. § 1108.051 - Life, health, accident, or annuity benefits, monies, policy proceeds, & cash values due or paid to beneficiary or insured
Tex. Ins. Code Ann. § 1551.011 - Texas employee uniform group insurance
Tex. Ins. Code Ann. § 1575.006 - Texas public school employees group insurance
Tex. Ins. Code Ann. § 1601.008 - Texas state college or university employee benefits
38 U.S.C. § 1970 (g) - Military group life insurance
10 U.S.C. § 1450 - U.S. Military service survivors' benefits
33 U.S.C. § 775 - Lighthouse workers survivors' benefits
28 U.S.C. § 376 - Federal judges, U.S. court & judicial center directors, administrative assistants to U.S. Supreme Court Chief Justice
42 U.S.C. § 916 - Federal war risk, hazard, death, or injury compensation, death & disability benefits
33 U.S.C. § 916 - Longshoremen & harbor workers death & disability benefits
5 U.S.C. § 8130 - Federal government employee death & disability benefits
11 U.S.C. § 522 (d)(10)(C) - Disability, illness, or unemployment benefits
11 U.S.C. § 522 (d)(7) - Unamtured life insurance contract, except credit insurance policy
11 U.S.C. § 522 (d)(8) - Life insurance policy loan value, in accured dividends or interest, to $14,875
11 U.S.C. § 522 (d)(11)(C) - Life insurance payments from policy for person you depended on, needed for support
Utah Code Ann. § 78B-5-505 (1)(a)(xi) - Life insurance proceeds if beneficiary is insured's spouse or dependent, as needed for support
Utah Code Ann. § 78B-5-505 (1)(a)(xiii) - Life insurance policy contracts proceeds and avails excluding payments made on contract one year prior to filing
Utah Code Ann. § 78B-5-505 (1)(a)(iv) - Medical, surgical, and hospital benefits
Utah Code Ann. § 31A-9-603 - Fraternal benefit society benefits
Utah Code Ann. § 78B-5-505 (1)(a)(iii) - Disability, illness, medical, or hospital benefits
Va. Code Ann. § 38.2-3406 - Accident or sickness benefits
Va. Code Ann. § 38.2-4021 - Burial society benefits
Va. Code Ann. § 38.2-3811 - Cooperative life insurance benefits
Va. Code Ann. § 38.2-4118 - Fraternal benefit society benefits
Va. Code Ann. § 51.1-510 - Group life or accident insurance for government officials
Va. Code Ann. § 38.2-3339 - Group life insurance policy or proceeds
Va. Code Ann. § 38.2-3549 - Industrial sick benefits
Va. Code Ann. § 38.2-3122 - Life insurance proceeds
Vt. Stat. Ann. tit. 8, § 3709 - Annuity contract benefits to $350 per month
Vt. Stat. Ann. tit. 12, § 2740 (18) - Unmatured life insurance contract other than credit
Vt. Stat. Ann. tit. 8, § 3705 - Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Vt. Stat. Ann. tit. 12, § 2740 (19)(H) - Life insurance proceeds for person you depended on
Vt. Stat. Ann. tit. 8, § 3706 - Life insurance proceeds if beneficiary is not the insured
Vt. Stat. Ann. tit. 8, § 4086 - Health benefits to $200 per month
Vt. Stat. Ann. tit. 8, § 3708 - Group life or health benefits
Vt. Stat. Ann. tit. 8, § 4478 - Fraternal benefit society benefits
Vt. Stat. Ann. tit. 12, § 2740 (19)(C) - Disability or illness benefits needed for support
Vt. Stat. Ann. tit. 8, § 3707 - Disability benefits that supplement life insurance or annuity contract
Wash. Rev. Code Ann. § 48.18.400 - Disability proceeds, avails, or benefits
Wash. Rev. Code Ann. § 48.18.430 - Annuity contract proceeds to $3,000 per month
Wash. Rev. Code Ann. § 48.18.410 - Life insurance proceeds or avails if beneficiary is not the insured
Wash. Rev. Code Ann. § 48.18.420 - Group life insurance policy or proceeds
Wash. Rev. Code Ann. § 48.36A.180 - Fraternal Benefit Society Benefits
Wis. Stat. Ann. § 815.18 (3)(f) - Unmatured life insurance contract's accrued dividends, interest, or loan value to $4,000 total, if debtor owns contract & insured is debtor or dependents, or someone debtor is dependent on
Wis. Stat. Ann. § 815.18 (3)(f) - Unmatured life insurance contract (except credit insurance contract) if debtor owns contract & insured is debtor or dependents, or someone debtor is dependent on
Wis. Stat. Ann. § 632.42 - Life insurance proceeds held in trust by insurer, if clause prohibits proceeds from being used to pay beneficiary's creditors
Wis. Stat. Ann. § 815.18 (3)(i)(a) - Life insurance proceeds for someone debtor depended on, needed for support
Wis. Stat. Ann. § 614.96 - Fraternal benefit society benefits
Wis. Stat. Ann. § 815.18 (3)(ds) - Federal disability insurance benefits
W. Va. Code § 38-10-4 (h) - Unmatured life insurance contract's accrued dividend, interest, or loan value to $8,000, if debtor owns contract & insured is either debtor or a person on whom debtor is dependent
W. Va. Code § 38-10-4 (g) - Unmatured life insurance contract, except credit insurance policy
W. Va. Code § 38-10-4 (k)(3) - Life insurance payments from policy for person you depended on, needed for support
W. Va. Code § 38-10-4 (j)(3) - Health or disability benefits
W. Va. Code § 33-6-28 - Group life insurance policy or proceeds
W. Va. Code § 33-23-21 - Fraternal benefit society benefits
Wyo. Stat. § 26-15-132 - Annuity contract proceeds to $350 per month
Wyo. Stat. § 26-15-130 - Disability benefits if clause prohibits proceeds from being used to pay beneficiary's creditors
Wyo. Stat. § 26-29-218 - Fraternal benefit society benefits
Wyo. Stat. § 26-15-131 - Group life or disability policy or proceeds, cash surrender & loan values, premiums waived, and dividends
Wyo. Stat. § 26-15-129 - Individual life insurance policy proceeds, cash surrender & loan values, premiums waived, and dividends
Wyo. Stat. § 26-15-133 - Life insurance proceeds held by insurer, if clause prohibits proceeds from being used to pay beneficiary's creditors

← West Virginia Insurance — Life, Disability Exemptions

Citation: Stat. - W. Va. Code § 33-6-28

Other West Virginia Exemption Citations

50 State Insurance — Life, Disability Exemptions