---
title: O.C.G.A. § 33-29-15. Exemption of policy proceeds from liability for debts of insured and beneficiary.
collection: code
id: 33-29-15
cite_as: O.C.G.A. § 33-29-15 (2025)
canonical_url: https://georgiacommons.org/code/33-29-15
md_url: https://georgiacommons.org/code/33-29-15.md
text_url: https://georgiacommons.org/code/33-29-15/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=532
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/33-29.md
previous: https://georgiacommons.org/code/33-29-14.md
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index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / INDIVIDUAL ACCIDENT AND SICKNESS INSURANCE
---

# O.C.G.A. § 33-29-15. Exemption of policy proceeds from liability for debts of insured and beneficiary.

(a) The proceeds or avails of all accident and sickness policies and of provisions providing benefits on account of the insured’s disability which are supplemental to life insurance or annuity contracts, except credit accident and sickness policies and credit life policies, shall be exempt from all liability for any debt of the insured and from any debt of the beneficiary existing at the time the proceeds are made available for his or her use.

(b) The exemption of income benefits payable as the result of disability shall not exceed an average of $250.00 of such benefits per month of the period of disability.

## History

Code 1933, § 56-3015, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2019, p. 386, § 95/SB 133.

The 2019 amendment, effective July 1, 2019, in subsection (a), substituted ‘‘contracts’’ for ‘‘contract’’ in the middle, and inserted ‘‘or her’’ near the end.