Does life insurance have to pay child support or debts? | NC

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Q: Does a life insurance policy have to be used to pay a deceased person's child support or other debts? A: Usually no. If the policy pays directly to a named beneficiary, the money usually stays outside the probate estate and is generally not used to pay ordinary debts or past-due child support. But if there is no valid beneficiary and the policy pays the estate, those proceeds can become…