<prompt> Human: Does anyone know the laws on this? A friend from works father died with life insurance an expensive car loan, mortgage and credit card debt is he liable for any of it?  <response>: The life insurance will go straight to whoever was listed as the beneficiary. It will not go through the estate. The beneficiary will not pay any taxes on it.The administrator of the estate will have to figure out all the assets and debts. He will use the assets to pay the debts. Whats left over will go to the heirs, either according to the terms of a will, or, if no will, according to Louisiana law.If the debts are more than the assets, the creditors will be out of luck and wont get paid. The relatives will not be responsible for any debt unless they co-signed for it.Good luck. 