How can insurance avoid debts and taxes?

Insurance can't avoid debts and taxes. Article 73 of the Contract Law stipulates the right of subrogation. Article 1 2 of the Judicial Interpretation explains that the debtor's exclusive creditor's rights include life insurance, which means that the creditor has no subrogation right to the debtor's life insurance. However, the creditor can directly sue the debtor, and after winning the case, he can request the people's court to enforce the life insurance with cash value insured by the debtor with effective legal documents, that is, compulsory surrender and debt repayment. If the insurance premium for the debtor's death is not necessarily the debtor, it may not be used to pay off debts? As for the inheritance tax, it is only a draft, and it is hard to say what will happen in the future. It is inappropriate to assert that insurance can avoid tax now. No offense, but insurance is not for this. Insurance is for protection.