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.
Fla. Stat. § 222.14
Exemption of cash surrender value of life insurance policies and annuity contracts from legal process
Applied in 69 court decisions — leading case Bank Leumi Trust Co. of New York v. Lang (1995)
Most recently applied in Mehdipour v. Rensin (In re Rensin) (May 2019)
History.--s. 1, ch. 10154, 1925; CGL 7066; s. 1, ch. 78-76.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: Online Sunshine (Florida Legislature). Reproduced from public-domain Florida statutes; confirm against the official source for the current text. Not legal advice.