Does life insurance have to be used to pay the deceased debts?

Life Insurance
Jewel V asked:


If I am the beneficiary of life insurance payment after someone dies, do I have to by law use that money to pay off the deceased debts? Or is this something that the bill collectors cannot touch at least legally? How would the creditors even know that there was a payout of life insurance? Anyway for them to know this? Can I get in trouble for not paying?

What is the best life insurance company to work for with great commission?

Life Insurance
Ms L asked:


What life insurance company is the best in the nation to work for and why? I am doing research and trying to figure out which life insurance company is best to work for or what is the best strategy working in the insurance field.

Being a new life insurance agent, what are ideal ways to enhance portfolio of life insurance customers?

Life Insurance
asked:


One year down the line in life insurance business, I feel lack of custmers affecting my growth. I’d like to grow my portfolio of customers using new ways to market myself. Till now I have used friends and relatives and past customer base as my target audience. How do I target the strangers market and how do I productively segment it.