Question Details: My step father and I are the beneficiaries on my moms policy. Can they take my benefit to pay off debts?
Who is "they"? If you mean the creditors of your mother's estate, no they cannot hold you personally liable for repayment; they have no claim on the life insurance proceeds. If you mean that you have creditors, then the proceeds payable to you would be an asset and your creditors could make a claim against it.

Are you a lawyer?
![]() |