[a fool in paradise]

Do you have to declare such insurance policies in your will/trust?

If someone dies without a will their entire estate goes into escrow and is subject to legal challenge.

If he had this insurance policy but dies owing tens of thousands of dollars in debt do his debt collectors have any claim to this money?

[gcparent]

I can’t read the answer to letter. But Insurance policies do not go through probate.

[Vermont Lt]

Nope.

Insurance is paid to the beneficiary outside of probate.

This is basic estate planning. Old us old bastards should know this.