Fla. Stat. 222.14
Exemption of cash surrender value of life insurance policies and annuity contracts from legal process


The cash surrender values of life insurance policies issued upon the lives of citizens or residents of the state and the proceeds of annuity contracts issued to citizens or residents of the state, upon whatever form, shall not in any case be liable to attachment, garnishment or legal process in favor of any creditor of the person whose life is so insured or of any creditor of the person who is the beneficiary of such annuity contract, unless the insurance policy or annuity contract was effected for the benefit of such creditor.

Source: Section 222.14 — Exemption of cash surrender value of life insurance policies and annuity contracts from legal process, https://www.­flsenate.­gov/Laws/Statutes/2024/0222.­14 (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

§ 222.14. Exemption of cash surrender value of life insurance policies & annuity contracts from legal process's source at flsenate​.gov