Fla. Stat. 222.13
Life insurance policies; disposition of proceeds

(1)

Whenever any person residing in the state shall die leaving insurance on his or her life, the said insurance shall inure exclusively to the benefit of the person for whose use and benefit such insurance is designated in the policy, and the proceeds thereof shall be exempt from the claims of creditors of the insured unless the insurance policy or a valid assignment thereof provides otherwise. Notwithstanding the foregoing, whenever the insurance, by designation or otherwise, is payable to the insured or to the insured’s estate or to his or her executors, administrators, or assigns, the insurance proceeds shall become a part of the insured’s estate for all purposes and shall be administered by the personal representative of the estate of the insured in accordance with the probate laws of the state in like manner as other assets of the insured’s estate.

(2)

Payments as herein directed shall, in every such case, discharge the insurer from any further liability under the policy, and the insurer shall in no event be responsible for, or be required to see to, the application of such payments.

Source: Section 222.13 — Life insurance policies; disposition of proceeds, https://www.­flsenate.­gov/Laws/Statutes/2024/0222.­13 (accessed Aug. 7, 2025).

222.01
Designation of homestead by owner before levy 222.02
Designation of homestead after levy 222.03
Survey at instance of dissatisfied creditor 222.04
Sale after survey 222.05
Setting apart leasehold 222.07
Defendant’s rights of selection 222.08
Jurisdiction to set apart homestead and exemption 222.09
Injunction to prevent sale 222.10
Jurisdiction to subject property claimed to be exempt 222.11
Exemption of wages from garnishment 222.13
Life insurance policies 222.14
Exemption of cash surrender value of life insurance policies and annuity contracts from legal process 222.15
Wages or reemployment assistance or unemployment compensation payments due deceased employee may be paid spouse or certain relatives 222.16
Wages or reemployment assistance or unemployment compensation payments so paid not subject to administration 222.17
Manifesting and evidencing domicile in Florida 222.18
Exempting disability income benefits from legal processes 222.20
Nonavailability of federal bankruptcy exemptions 222.21
Exemption of pension money and certain tax-exempt funds or accounts from legal processes 222.22
Exemption of assets in qualified tuition programs, medical savings accounts, Coverdell education savings accounts, and hurricane savings accounts from legal process 222.25
Other individual property of natural persons exempt from legal process 222.26
Additional exemptions from legal process concerning medical debt 222.29
No exemption for fraudulent transfers 222.30
Fraudulent asset conversions 222.061
Method of exempting personal property 222.201
Availability of federal bankruptcy exemptions

Current through Fall 2025

§ 222.13. Life insurance policies; disposition of proceeds's source at flsenate​.gov