Do I have to use life insurance to pay an RV loan? | NC

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Q: Do I have to use life insurance proceeds I received outside the estate to pay an estate debt like an RV loan? A: Usually no. If the life insurance was paid directly to a named beneficiary, it generally passes outside the estate and is usually not used to pay ordinary estate debts. The estate's personal representative normally pays valid debts from estate assets through the creditor claims…