Which clause protects proceeds from a life insurance policy from the beneficiary's creditors?

The spendthrift trust clause is designed to protect the proceeds of a life insurance policy from being claimed by the beneficiary's creditors. When a policy includes a spendthrift clause, it prevents the beneficiary from accessing the funds until they are actually distributed, meaning that creditors cannot come after the policy proceeds during this time. This adds a layer of security for the intended beneficiary, ensuring that the funds provided through the life insurance remain intact for their benefit rather than being diverted to settle debts.

In contrast, while other clauses might address aspects such as irrevocability (which affects how policy changes can be made), naming a beneficiary (which determines who will receive the benefits), or access (which doesn't directly pertain to creditor protection), they do not specifically shield the proceeds from creditors in the same manner as the spendthrift trust clause.