(1) Una póliza de seguro colectivo de vida o beneficios pagaderos al asegurado o a un beneficiario designado que no sea el asegurado o, con arreglo a una cláusula para facilitar el pago, estará libre de las reclamaciones de los acreedores del asegurado o del beneficiario o de otra persona con derecho al pago.
(2) Esta sección no se aplicará al seguro colectivo de vida otorgado a grupos de deudores, de acuerdo con este título, hasta donde los beneficios se aplicaren al pago de la obligación para cuyo fin se expidió el seguro.
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