 TITLE: What Happens to Debt When You Die CONTENT: Which Assets Are Protected From Creditors?\n------------------------------------------\nThere are certain assets that creditors can't go after once you die, such as:\n*   **Retirement accounts**: These may include an employer-sponsored 401(k) or 403(b) plan, Solo 401(k), SEP IRA, Simple IRA, Roth IRA or a health savings account you may have to fund your retirement.\n*   **Life insurance**: Life insurance is a contract you sign with an insurer so your beneficiaries are paid a lump-sum payment or death benefit when you die, as long as you make premium payments.\n*   **Living trust**: With a living trust, you can pass on property while avoiding the expenses and delays that often come with probate. A living trust is considered a valuable estate planning tool.\n*   **Brokerage accounts**: Any taxable investment account you open with an investment company or brokerage firm is referred to as a brokerage account. You may invest in stocks, bonds, REITs, CDs or other investment vehicles within a brokerage account. END