Which of the following is NOT exempt from creditor's claims in West Virginia?

Proceeds payable to the insured's estate are not exempt from creditor claims under West Virginia law. This means that if a policyholder passes away and the policy's proceeds go to their estate, those funds can be accessed by creditors to satisfy any debts the deceased might have had. In contrast, proceeds payable to dependents such as children and a spouse are typically protected from creditors to ensure that those family members are supported financially after the policyholder's death. Similarly, proceeds payable to a business partner may also provide some level of protection, depending on the circumstances. This legal framework is designed to prioritize the financial security of the insured's immediate family over creditor claims.