Asset Protection Society

Home Florida Life Insurance, Annuity, and IRA Exemptions

Life Insurance

Cash surrender value of life insurance policies and annuities are exempt if created to benefit someone other than the insured.  To see this statute, please click here.

Unless the policy says otherwise, the proceeds of any life insurance policy are exempt so long as the proceeds are not payable to the insured, or the insured’s estate.  To see this statute, please click here.

Annuity

Cash surrender value of life insurance policies and annuities are exempt if created to benefit someone other than the insured.  To see this statute, please click here.

IRA

ERISA qualified plans, including Roth IRAs under §408A of IRC of 1986.  For an explanation, please click here.

Miscellaneous

Disability income benefits are exempt unless the policy was created for the benefit of the creditor.  To see this statute, please click here.