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



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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Jurisdictional relevance: ST

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