Insurance — Life, Disability

State	Description
NY	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. Ins. Law § 3212 (d) N.Y. Debt. & Cred. Law § 283 (1)
NY	Cash surrender value of life insurance N.Y. CPLR § 5205 (i)
NY	Disability or illness benefits to $400/month N.Y. Ins. Law § 3212 (c)
NY	Life insurance proceeds and avails if the beneficiary is not the debtor, or if debtor's spouse has taken out policy N.Y. Ins. Law § 3212 (b)
NY	Life insurance proceeds left at death with the insurance company, if clause prohibits proceeds from being used to pay beneficiary's creditors N.Y. Est. Powers & Trusts Law § 7-1.5 (a)(2)