Life Insurance beneficiary and Debt

[plzadvise]

I have a question regarding the beneficiary and debt of the dead person's debt. Let say the passed away person at the time of death owed $20,000 debt, when still alive has a life insurance policy for $30K for example and put A as the beneficiary. Let say the person died and A got $30K, is A still responsible for the passed away's $20K. Or A can use that money for something else and not obligated to the debt of the passed away?

[Kong]

The estate is responsible for the debt of the deceased. If the beneficiary of the life insurance policy is the estate, then the debtors have a claim on the benefits of that policy. If the beneficiary is not the estate, then the debtors have no claim.

[meltifa]

The estate is always ALMOST responsible for the debt of the deceased. Estate always has to take care of outstanding debts

Mel

[sears82]

why dont we get better insurance plans?? even third world countries have better policies than ours...

[knollibe]

Then perhaps you should go live in a third world. Where the food is scarce, the power and water are unreliable, when your house burns no trained firemen come, there are corrupt police, when you have a medical emergency you simply die instead of getting treatment. Why do people who have the best always whine and complain?

[Shears82]

Yes that is sooo true; however we have some companies that do provide very good plans..just got to do a little more researchj

[lukemacwan]

i thing bhartiya life insurance is very well provide service... another lot of provide this type insurance ... these are very benefit to our but some cheap insurance company debt...