Defcon is correct. I did some searching, and the laws vary from state to state, but in general life insurance proceeds to non-dependent beneficiaries are exempt from creditors' claims. This assumes of course that the beneficiary has been specifically named on the policy and the policy wasn't obtained fraudulently or with the intent to defraud creditors. But regardless, check your state laws first.
(Remind me never to get involved in life insurance questions.
)