Kentucky Revised Statutes
Ky. Rev. Stat. § 427.110 (2026)
Insurance benefits -- Exemptions
✓ current as of May 2026
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(1) Any money or other benefit to be paid or rendered by any assessment or cooperative life or casualty insurance company is exempt from execution or other process to subject such money or other benefit to the payment of any debt or liability of a policyholder.
(2) Any money or other benefit to be paid or rendered by any fraternal benefit society is exempt from attachment, garnishment or other process to subject such money or other benefit to the payment of any debt or liability of a member or beneficiary, or any other person who may have a right thereunder, either before or after payment. Effective: October 1, 1942 History: Recodified 1942 Ky. Acts ch. 208, sec. 1, effective October 1, 1942, from Ky. Stat. secs. 671, 681c-21.
Notes of Decisions
Cited in 3
cases, 1952–2006 · leading case: In Re Worthington, 28 B.R. 736 (Bankr. W.D. Ky. 1983).
In Re Worthington, 28 B.R. 736 (Bankr. W.D. Ky. 1983). “Pursuant to that petition, on Schedule B-4 the debtor claimed as exempt the cash surrender value of life insurance policies pursuant to KRS 427.110 in the total amount of $3,568.”
Ball v. Smiddy, 249 S.W.2d 715 (Ky. Ct. App. 1952). “180 as was given Kentucky Statutes, § 671 (substantially re-enacted as KRS 427.110) in the Dixon case. Therefore, we find that the property purchased by the appellee is not exempt from execution.”
In re Prichard, 339 B.R. 635 (Bankr. W.D. Ky. 2006). “The Debtor also initially alleged that the monthly payments were exempt under KRS 427.110(1). The Debtor did not argue the applicability of this exemption in her pretrial compliance or at the evidentiaiy hearing.”
— Ky. Rev. Stat. § 427.110(1) — 2 cases
In Re Worthington, 28 B.R. 736 (Bankr. W.D. Ky. 1983). “Pursuant to that petition, on Schedule B-4 the debtor claimed as exempt the cash surrender value of life insurance policies pursuant to KRS 427.110 in the total amount of $3,568.”
In re Prichard, 339 B.R. 635 (Bankr. W.D. Ky. 2006). “The Debtor also initially alleged that the monthly payments were exempt under KRS 427.110(1). The Debtor did not argue the applicability of this exemption in her pretrial compliance or at the evidentiaiy hearing.”
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