Proceeds and avails (cash value) of policies of life insurance effected for the benefit of a third-person beneficiary are exempt from claims of creditors. (Insurance Law §3212)  To see this statute, click here.

Annuity

The benefits, rights, privileges, and options of any annuity contract are exempt from claims of creditors.  (Insurance Law §3212) To see this statute, click here.

IRA

Qualified IRAs including IRAs and Roth IRAs are exempt. (Civil Practice Law and Rules §5205)   To see this statute, click here.