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Life insurance is not considered part of an estate and is not available to pay the decedent's bills and debts. Even if there is no money whatsoever to pay bills, the insurance is not part of the estate. The only exception would be if there were no existing named beneficiaries or if the policy is payable to the estate. But even there, keep in mind that it isn't the "insurance" money that is now available to pay the debts. It is "estate" money, because the proceeds were payable to the estate. The Federal government will include life insurance proceeds as part of the gross estate for federal estate tax purposes, but that does not mean they are actually part of the estate.

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โˆ™ 2008-05-22 17:08:16
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If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

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Q: If life insurance is considered part of an estate is that money used for medical bills and debt?
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Related questions

Will the estate of deceased in NC be responsible for medical bills if the deceased did not have insurance or a will?

Yes, it will be the responsibility of the estate. No will is necessary to open an estate. North Carolina law will designate the beneficiaries, if the estate value exceeds the debts.


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Yes. The estate is responsible for all debts, including medical bills.


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It would seem logical that she would be responsible for her own medical bills. However, if your father is still married to her, he may have substantial responsibility for her medical bills. If your father has died but there are provisions in his will that call for portions of his estate to support her medical needs, or if there is insurance covering her, then others may have some responsibility.


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Is wife responsible for deceased's husband medical bills in Oklahoma?

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