The 2023 Florida Statutes (including Special Session C)

Title XV
HOMESTEAD AND EXEMPTIONS

Chapter 222
METHOD OF SETTING APART HOMESTEAD AND EXEMPTIONS

View Entire Chapter

F.S. 222.14

222.14 Exemption of cash surrender value of life insurance policies and annuity contracts from legal process.—The cash surrender values of life insurance policies issued upon the lives of citizens or residents of the state and the proceeds of annuity contracts issued to citizens or residents of the state, upon whatever form, shall not in any case be liable to attachment, garnishment or legal process in favor of any creditor of the person whose life is so insured or of any creditor of the person who is the beneficiary of such annuity contract, unless the insurance policy or annuity contract was effected for the benefit of such creditor.

History.—s. 1, ch. 10154, 1925; CGL 7066; s. 1, ch. 78-76.

F.S. 222.14 on Google Scholar

F.S. 222.14 on Casetext

Amendments to 222.14

Arrestable Offenses / Crimes under Fla. Stat. 222.14

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 222.14.

Annotations, Discussions, Cases:

Cases from cite.case.law:

IN RE K. RENSIN, v. K., 600 B.R. 870 (Bankr. S.D. Fla. 2019)

. . . . § 222.14. In February, 2017, Mr. . . . Stat. § 222.14, which governs exemption of annuity payments, does not apply in this case because the . . . Stat. § 222.14. . . . At least one court has ruled that section 222.14 requires that the annuity contract also be issued to . . . Stat. § 222.14. . . .

SPECTOR, v. L. SPECTOR, L. P. A., 226 So. 3d 256 (Fla. Dist. Ct. App. 2017)

. . . See § 222.14, Fla. Stat. (2015). However, the statutory protection is not absolute. . . .

IN RE SWARUP,, 521 B.R. 382 (Bankr. M.D. Fla. 2014)

. . . . §§ 222.21(2), 222.14. . See 11 U.S.C. § 522. . 11 U.S.C. § 522(1). . Fed. R. . . . Swarup also claimed her interests as exempt under § 222.14 of the Florida Statutes. . . . As such, the Debtor cannot claim the Accounts as exempt under Florida Statute Section 222.14. . . . .

CONNOR, v. SEASIDE NATIONAL BANK,, 135 So. 3d 508 (Fla. Dist. Ct. App. 2014)

. . . is whether the proceeds of certain annuity contracts are exempt from garnishment pursuant to section 222.14 . . . lower court concluded that Appellant was not the “beneficiary” of the proceeds, pursuant to section 222.14 . . . Section 222.14 provides an exemption from garnishment for the proceeds of an annuity contract in favor . . . filed bankruptcy in Florida and sought to exempt the proceeds of the annuity contract under section 222.14 . . .

IN RE CHESLEY, v. K., 526 B.R. 888 (M.D. Fla. 2014)

. . . . §§ 222.14, 222.18, 222.201, and the liquid assets were exempt under 11 ' U.S.C. § 522(d)(10). . . . Stat. § 222.14, which Chesley concedes is inapplicable to the instant action. • Finally, in In re Benedict . . . Stat. §§ 222.14 and 222.11, which ..are inapplicable to the present action. . . . Stat. § 222.14 and 11 U.S.C § 522(d) do not apply. . . .

JOEL M. WEISSMAN, P. A. v. ABOU- SAYED, 107 So. 3d 1163 (Fla. Dist. Ct. App. 2013)

. . . Excluding those accounts that are protected from creditors’ liens by operation of statute, see §§ 222.21 & 222.14 . . .

In BECKWITH,, 448 B.R. 757 (Bankr. S.D. Ohio 2011)

. . . . §§ 222.13 and 222.14, pertaining to life insurance policies and annuity contracts, there is no language . . .

In W. HOLT,, 422 B.R. 778 (Bankr. M.D. Fla. 2010)

. . . pursuant to a Promissory Note constitute the proceeds of an annuity contract within the meaning of § 222.14 . . . Stat. § 222.14. . . . Section 222.14 provides: 222.14. . . . Stat. 222.14. . . . Stat. 222.14. . . .

In W. MORRISON A., 403 B.R. 895 (Bankr. M.D. Fla. 2009)

. . . She also claimed the interest as exempt pursuant to § 222.13 and § 222.14 of the Florida Statutes. . . .

C. MAZON, I. C. I. v. E. Jr., 395 B.R. 742 (Bankr. M.D. Fla. 2008)

. . . . §§ 222.14, 222.21. . . .

ARNOLD, MATHENY AND EAGAN, P. A. v. FIRST AMERICAN HOLDINGS, INC., 982 So. 2d 628 (Fla. 2008)

. . . exempt several funds from garnishment, including the cash surrender value of life insurance, see § 222.14 . . .

In L. MATHEWS,, 360 B.R. 732 (Bankr. M.D. Fla. 2007)

. . . Debt- or also claimed as exempt: (i) pursuant to Florida Statutes, § 222.14, an American Express Mutual . . . and 222.30, Florida Statutes; (iii) the Mutual Fund Account is not exempt under Florida Statutes, § 222.14 . . . He claimed it as exempt pursuant to Florida Statutes, § 222.14. Debtor and Mrs. . . . Debtor claimed the Mutual Fund Account exempt pursuant to Florida Statutes § 222.14, which states that . . . Ann. § 222.14 (West 2005). . . .

In J. LUDWIG, 345 B.R. 310 (Bankr. D. Colo. 2006)

. . . . § 222.14 (2006). . . . Ann. § 222.14 applies to “all annuity contracts”). . . . Ann. § 222.14, which makes the finding of fraud in cases such as In re Jennings all the more significant . . .

CADLE COMPANY, FDIC, N. A. v. PEGASUS RANCH, INC. R. L., 920 So. 2d 1276 (Fla. Dist. Ct. App. 2006)

. . . garnishees, Ponsoldt claimed the exemption for life insurance or annuities, pursuant to sections 222.13 and 222.14 . . . Exemptions for life insurance proceeds and annuity contracts are provided by sections 222.13 and 222.14 . . .

In TURNER,, 332 B.R. 461 (Bankr. N.D. Fla. 2005)

. . . on the Debtor’s Schedule C exemption of the “Annuity-PI Settlement” pursuant to Florida Statutes § 222.14 . . . on July 1, 2005, alleging that the Debtor could not exempt the Annuity pursuant to Florida Statute § 222.14 . . . Debtor may exempt her settlement proceeds from the bankruptcy estate pursuant to Florida Statutes § 222.14 . . . entitled to exempt the settlement proceeds from the bankruptcy estate pursuant to Florida Statutes § 222.14 . . . Ch. 222.14 (2005). . . .

In V. LOWERY H., 335 B.R. 199 (Bankr. M.D. Fla. 2005)

. . . Ca-dle asserts the Jackson policy is not exempt under Florida Statute § 222.14, because Debtors fraudulently . . . Therefore, pursuant to Florida Statute § 222.14 the Jackson policy is exempt. . . .

In L. PETERSEN, B. D. v. L., 323 B.R. 512 (Bankr. N.D. Fla. 2005)

. . . . § 222.14, without objection. . . . Stat. § 222.14; See, also, In re McCollam, 986 F.2d 436 (11th Cir.1993). . . .

HOULT, v. HOULT,, 373 F.3d 47 (1st Cir. 2004)

. . . Stat. chs. 222.21(2)(a) and 222.14 exempted his ERISA pension benefits from the claims of all creditors . . . Stat. chs. 222.21(2)(a), 222.14; and (2) the anti-alienation provision of ERISA, 29 U.S.C. § 1056(d)( . . . Stat. chs. 222.21(2)(a), 222.14. . . .

HOULT, v. HOULT,, 373 F.3d 47 (1st Cir. 2004)

SECURITIES AND EXCHANGE COMMISSION, v. YUN,, 208 F. Supp. 2d 1279 (M.D. Fla. 2002)

. . . . § 222.14, this is not a Florida state court, and, as such, it is not bound by Florida law. . . .

In V. LOWERY H., 272 B.R. 317 (Bankr. M.D. Fla. 2001)

. . . . § 222.14: Policy Number 1-Jackson National Life-Debtor Charles V. . . . Debtors argue that the cash surrender value of policies 1, 2, and 6 is exempt pursuant to § 222.14 of . . . Stat. § 222.14. . . . Policy 1 It is clear that Policy 1 satisfies the requirements of § 222.14. . . . Lowery, is not a debtor, § 222.14 is not satisfied. . . . .

H. FARO, P. A. a H. v. PORCHESTER HOLDINGS, INC., 792 So. 2d 1262 (Fla. Dist. Ct. App. 2001)

. . . In both appeals, Faro contends that pursuant to section 222.14, Florida Statutes, the cash surrender . . . Section 222.14, Florida Statutes (2000), provides: The cash surrender values of life insurance policies . . . We have construed section 222.14 both prior to and after the 1978 amendment. . . . Accordingly, we hold that the exemption of section 222.14 applies to the certificate of deposit purchased . . . policies in the possession of Massachusetts Mutual was exempt from garnishment pursuant to section 222.14 . . .

In GREEN, M. J. E. v. M. J. E. v. M. J., 268 B.R. 628 (Bankr. M.D. Fla. 2001)

. . . 1322044 Interests in Insurance Policies 9,192.37 Old Line Life Policy No. 5 1971731L $ 9,192.37 FSA § 222.14 . . . Policy No. 5 1971731L -69- 69,620.21 Hartford Life $ 69,620.21 FSA § 222.14 Policy No. . . . LL6019692 -©9- Jackson National Life Policy No. 0022652360 $ 5,000.00 FSA § 222.14 $ 5,000.00 Annuities . . . The Debtors claim exemptions for their life insurance policies and annuity under Florida Statute § 222.14 . . . Stat. § 222.14 (2000). 222.21. . . .

In L. GOLDENBERG, v. L., 253 F.3d 1271 (11th Cir. 2001)

. . . . § 222.14. . . . She argued that § 222.14 did not apply because the contracts were not mature and thus did not constitute . . . Ann. § 222.14. . . . Stat. § 222.14. . . . Ann. § 222.14 (West. 1998)?” . . .

In L. GOLDENBERG, v. L., 253 F.3d 1271 (11th Cir. 2001)

In JACOBS, H., 264 B.R. 274 (Bankr. W.D.N.Y. 2001)

. . . . § 222.14 (West Supp.1986). . . .

L. GOLDENBERG L. M. D. P. A. v. SAWCZAK, 791 So. 2d 1078 (Fla. 2001)

. . . . § 222.14 (WEST 1998)? In re Goldenberg, 218 F.3d 1264 (11th Cir.2000). . . . The Legislature enacted the predecessor of section 222.14 in 1925. . . . We have construed section 222.14 both prior to and after the 1978 amendment. . . . In McCollam, the issue concerned the meaning of “annuity contracts” in section 222.14. . . . The terms of section 222.14 are clear. See McCollam, 612 So.2d at 574. . . .

TECHNICAL CHEMICALS AND PRODUCTS, INC. v. PORCHESTER HOLDINGS, INC. H. P. A. a H., 785 So. 2d 636 (Fla. Dist. Ct. App. 2001)

. . . life policy and of the whole life policy were completely exempt from garnishment pursuant to section 222.14 . . . surrender value of the life insurance policies was statutorily exempt from garnishment, pursuant to section 222.14 . . . insurance policies is exempt from garnishment “upon whatever form,” under the plain meaning of section 222.14 . . . We affirm the trial court’s order dissolving the writ of garnishment as we agree that section 222.14 . . . Section 222.14, Florida Statutes (1997), provides: The cash surrender values of life insurance policies . . .

WINDSOR- THOMAS GROUP, INC. v. PARKER, 782 So. 2d 478 (Fla. Dist. Ct. App. 2001)

. . . .” § 222.14, Fla.Stat. (1997). . . . future periodic payments, that the annuity funds were not subject to garnishment pursuant to section 222.14 . . . In this appeal, Windsor-Thomas has conceded that section 222.14, Florida Statutes (1997), prohibits the . . . Parker, but section 222.14 bars the judiciary from assisting Windsor-Thomas in its efforts to obtain . . . addition, once the trial court issued the writ, American General Life Insurance could raise section 222.14 . . .

In LADD, Sa-, 258 B.R. 824 (Bankr. N.D. Fla. 2001)

. . . . § 222.14 exempted the proceeds of the annuity contract from legal process, and that such traceable . . .

In NOTARGIACOMO, 253 B.R. 112 (Bankr. S.D. Fla. 2000)

. . . property interests: the two annuities ($11,708.18 and $11,372.58 respectively) under Florida Statute § 222.14 . . . The Trustee does not dispute that Florida Statue § 222.14 permits the beneficiary of an annuity to claim . . .

In L. GOLDENBERG, v. L., 218 F.3d 1264 (11th Cir. 2000)

. . . . § 222.14 (West 1998). . . . States Bankruptcy Court for the Southern District of Florida concluded that: Neither the title of [§ 222.14 . . . and that the cash surrender values of the annuities are included in the § 222.14 exemption. . . . ANN. § 222.14 (WEST 1998)? . . . Section 222.14 reads: Exemption of cash surrender value of life insurance policies and annuity contracts . . .

In L. GOLDENBERG, v. L., 218 F.3d 1264 (11th Cir. 2000)

STATE FARM LIFE INSURANCE COMPANY, a a v. FLORIDA ASSET FINANCING CORPORATION, 786 So. 2d 1 (Fla. Dist. Ct. App. 2000)

. . . Rash’s future annuity proceeds because section 222.14, Florida Statutes (1997), exempts such proceeds . . . We agree that section 222.14 provides for such an exemption. However, Mr. . . . See In re Benedict, 88 B.R. 390, 393 (Bankr.M.D.Fla.1988), see also § 222.14, Fla. Stat. (1997). . . .

In ORSO, v. A., 214 F.3d 637 (5th Cir. 2000)

. . . fully exempt from all demands in any bankruptcy proceeding of the insured or beneficiary. .Section 222.14 . . .

In ORSO, v. A., 214 F.3d 637 (5th Cir. 2000)

. . . fully exempt from all demands in any bankruptcy proceeding of the insured or beneficiary. .Section 222.14 . . .

In BELUE, 238 B.R. 218 (Bankr. S.D. Fla. 1999)

. . . . § 222.14. . . . Fla.Stat. § 222.14 is controlling. . . . The Florida Supreme Court’s broad interpretation of the Florida annuity exemption in § 222.14 did not . . . Stat. § 222.14 (emphasis added). . . . The Debtor claimed the annuity proceeds exempt under Fla.Stat. § 222.14. The trustee objected. . . .

In BERGHMAN, P. v. J. G. S. S. C., 235 B.R. 683 (Bankr. M.D. Fla. 1999)

. . . Property Claimed as Exempt lists the Prudential Annuity as an exempt asset under Florida Statutes § 222.14 . . . and amendments thereto are exempt property belonging solely to Debtor pursuant to Florida States § 222.14 . . . Florida Statutes § 222.14 states: The cash surrender values of life insurance policies issued upon the . . . Fla.Stat. § 222.14 (West 1998). . The Solomon case is factually distinguishable from this case. . . . Both cases involved claims for exemptions under Florida Statutes § 222.14 for annuities purchased by . . .

In W. FREEMAN,, 232 B.R. 497 (Bankr. M.D. Fla. 1999)

. . . . § 222.14 (providing proceeds of annuities exempt under Florida law). . . .

In STATES, 237 B.R. 847 (Bankr. M.D. Fla. 1999)

. . . . § 222.14 (1998). . . . Section 222.14 reads as follows: Exemption of cash surrender value of life insurance policies and annuity . . .

FIRST COLONY LIFE INSURANCE COMPANY, v. SUN STATE CAPITAL FUNDING, INC., 730 So. 2d 735 (Fla. Dist. Ct. App. 1999)

. . . It also raised the statutory exemption from garnishment of annuity contracts pursuant to section 222.14 . . .

In M. BRUCE,, 224 B.R. 505 (Bankr. M.D. Fla. 1998)

. . . form of a challenge of the debtor’s right to claim the winnings as exempt based on Florida Statute 222.14 . . . Stat. 222.14. . . . Stat. § 222.14. . . . settlement of a claim of the debtor are deemed to be within the protection provided by Florida Statute 222.14 . . . Stat. 222.14. . . .

In M. WILLIAMS L., 222 B.R. 662 (Bankr. S.D. Fla. 1998)

. . . The Debtor has claimed these proceeds as exempt under Florida Statute Section 222.14. . . . Section 222.14 provides— The cash surrender values of life insurance policies issued upon the lives of . . .

In LAZIN,, 221 B.R. 982 (Bankr. M.D. Fla. 1998)

. . . The Statute which exempts annuities is Florida Statutes Chapter 222.14. . . .

In ORSO,, 219 B.R. 402 (Bankr. M.D. La. 1998)

. . . . § 222.14 (West 1990) (emphasis supplied). . . . STAT. § 222.14. 955 F.2d 678, 681 (11th Cir.1992). . . .

In BENNETT,, 217 B.R. 654 (Bankr. M.D. Fla. 1998)

. . . Florida Statute § 222.14 provides, in relevant part: proceeds of annuity contracts issued to citizens . . . This Court has held that § 222.14 does not require the annuity contract to be issued to a resident of . . . As discussed previously, this Court has held that § 222.14 merely requires the annuity proceeds to be . . . It is irrelevant for purposes of § 222.14 that the annuity contract itself was issued to a nonresident . . . CONCLUSION Debtor is entitled to claim his interest in the annuity proceeds as exempt under § 222.14. . . .

In LAZIN,, 217 B.R. 332 (Bankr. M.D. Fla. 1998)

. . . . § 222.14, which provides: The cash surrender values of life insurance policies issued upon the lives . . . FLA.STAT. § 222.14. “Section 222.14 clearly exempts all annuity contracts from creditor claims.” . . . It is the Trustee’s contention that since there is not a similar provision in Fla.Stat. § 222.14, the . . .

In D. ALLEN,, 217 B.R. 945 (Bankr. M.D. Fla. 1998)

. . . No. 742-52660 $ 2,558.01 Tenants by the Entireties Mass Mutual Annuity IRA $142,068.74 §§ 222.14, .21 . . . Co. $ 194.77/mo. § 222.14 Fla. . . . . § 222.14 Fla, Statutes Co. Annuity $ 94.44/mo. § 222.14 Fla. . . . . § 222.14 Fla. Statutes Michael Felts Annuity $ 72.60/mo. § 222.14 Fla. . . .

In HICKOX,, 215 B.R. 257 (Bankr. M.D. Fla. 1997)

. . . proceeds in a checking account causes a debtor to lose the exemption provided in Florida Statute § 222.14 . . . Florida Statute § 222.14 exempts from legal process annuity contracts proceeds issued to Florida citizens . . . Ann. § 222.14 (West 1989). . . . .

In C. LORDY M. C. FURR, v. C. LORDY M. EMPLOYERS INSURANCE OF WAUSAU, a v. C. LORDY M., 214 B.R. 650 (Bankr. S.D. Fla. 1997)

. . . 24,683.91 MFS/Sun Life of Canada # 65 6500 370773 FSA § 222.14 $ 4,130.05 MFS/Sun Life of Canada # 65 . . . 6500 370648 FSA § 222.14 17,376.98 MFS/ Sun Life of Canada # 65 6500 370345 FSA § 222.14 52,646.03 North . . . FSA § 222.14 Account # 1270898670036 $150,000.00 Prudential FSA§ 222.21 Account # OWD-R01661-22 $ 33,103.49 . . . FSA § 222.061 $ 0.00 Wearing Apparel Art. 10 § 4(a)(2) FSA § 222.061 $ 0.00 MBL Life Assurance FSA 222.14 . . . # GA 10095 0001 (* listed on Sept. 25,1996 amended petition) $ 30,963.72 * MBL Life Assurance FSA § 222.14 . . .

In D. ALLEN, C. CLARK, v. D. ALLEN,, 210 B.R. 861 (Bankr. M.D. Fla. 1997)

. . . 1996, and subsequently ruled, inter alia, that the Mass Mutual IRA was exempt under Florida Statute § 222.14 . . . This Court has previously held that the Mass Mutual IRA is exempt under Florida Statute § 222.14. . . .

In C. HERRELL,, 210 B.R. 386 (Bankr. N.D. Fla. 1997)

. . . . § 222.14 (1995) allows an owner of a life insurance policy, insuring the life of the owner, to exempt . . . That interest, however, would have been subject to the exemption provided in § 222.14, Fla. . . .

In H. WILBUR,, 206 B.R. 1002 (Bankr. M.D. Fla. 1997)

. . . . § 222.14. . . . Section 222.14 provides that: The cash surrender values of life insurance policies issued upon the lives . . . Fla.Stat. § 222.14 (1995). . . .

In D. ALLEN,, 203 B.R. 786 (Bankr. M.D. Fla. 1996)

. . . Term Policy Unknown § 222.14, Fla. . . . Life Unknown § 222.14, Fla.Statutes National Life Ins. . . . Annuity Unknown § 222.14, Fla.Statutes Ottis Williams & Michael Felts Annuities Unknown § 222.14, Fla.Statutes . . . Policy $1,433.80 § 222.14, Fla.Statutes (Docs. 2,15). 7. . . . Fla.Stat. § 222.14 (1995). . . .

In SOLOMON, GUARDIAN LIFE INSURANCE COMPANY, v. SOLOMON,, 95 F.3d 1076 (11th Cir. 1996)

. . . . § 222.14 (West 1989), which provides, in relevant part: the proceeds of annuity contracts issued to . . . court that the payment earmarked as attorney’s fees by the agreement did not qualify under section 222.14 . . . We recognize that the Florida Supreme Court has broadly defined section 222.14 to include “all annuity . . . The district court therefore erred by concluding that section 222.14 applies to exempt the payments made . . . See In re Pizzi, 153 B.R. 357, 360-61 (Bankr.S.D.Fla.1993) (construing § 222.14 to require that debtor . . .

In SOLOMON, GUARDIAN LIFE INSURANCE COMPANY, v. SOLOMON,, 95 F.3d 1076 (11th Cir. 1996)

In ZESBAUGH,, 190 B.R. 951 (Bankr. M.D. Fla. 1995)

. . . . §§ 222.13 and 222.14. . . . . § 222.14 is clearly inapplicable in that this Statute exempts the debtors interest in annuities and . . . This is so because the claim of exemptions in Zeitz was asserted pursuant to Fla.Stat. § 222.14 and related . . . Butcher, 62 B.R. 162 (Bankr.E.D.Tenn.1986), where the claim of exemption was also based on Fla.Stat. § 222.14 . . . , the Court noted that while both §§ 222.13 and 222.14 prevents creditors of the insured from reaching . . .

In MILLER, L. MEININGER, v. MILLER E., 188 B.R. 302 (Bankr. M.D. Fla. 1995)

. . . . § 222.14 is part of the Chapter which also includes Fla.Stat. § 222.30. . . .

In COVINO, R. KAPILA, v. COVINO a, 187 B.R. 773 (Bankr. S.D. Fla. 1995)

. . . This exemption was amended on May 4, 1995 to assert a claim of exemption under Florida Statute § 222.14 . . . purchased, but rather, they dispute whether the annuities are exempt under Florida Statute Section 222.14 . . .

SOLOMON, v. GUARDIAN LIFE INSURANCE COMPANY OF AMERICA,, 186 B.R. 535 (S.D. Fla. 1995)

. . . Section 222.14 provides, in pertinent part: [T]he proceeds of annuity contracts issued to citizens or . . . Fla.Stat. § 222.14. . . . Stat. § 222.14. The funding annuity contract was not issued to Solomon. . . . “Section 222.14 clearly exempts all annuity contracts from creditor claims.” Id. . . . The settlement agreement is exempt under Fla.Stat. § 222.14. . . .

BANK LEUMI TRUST COMPANY OF NEW YORK, v. LANG MEA, 898 F. Supp. 883 (S.D. Fla. 1995)

. . . . § 222.14. . . . is exempted by Article X of the Florida Constitution and its annuities are exempted by Fla.Stat. § 222.14 . . . Fla.Stat. § 222.14 states: [T]he proceeds of annuity contracts issued to citizens or residents of the . . . Fla.Stat. § 222.14. . . . It is therefore appropriate to deny them the exemption under Fla.Stat. § 222.14. F. . . .

In H. BEAHM S. R. KAPILA, v. H. BEAHM S., 179 B.R. 329 (S.D. Fla. 1995)

. . . The Annuity was claimed exempt pursuant to Florida Statute 222.14. . . . Florida Statute 222.14 provides in pertinent part: The cash surrender values of ... the proceeds of annuity . . .

In DAVIDSON AMERITRUST NATIONAL BANK n k a C. v. DAVIDSON, 178 B.R. 544 (S.D. Fla. 1995)

. . . Florida Statute § 222.14 provides in pertinent part: The case surrender value of ... the proceeds of . . .

In E. ZEITZ A., 171 B.R. 903 (Bankr. S.D. Fla. 1994)

. . . The Debtor claims this payment is exempt under Florida Statute 222.14. . . . Florida Statute 222.14 provides— The cash surrender values of life insurance policies issued upon the . . . Section 222.14 clearly and unambiguously exempts annuity proceeds from the claims of creditors of the . . . Thus, the Court cannot determine whether the application of the plain meaning of Section 222.14 will . . . the ease of In re Ebenger, 40 B.R. 463 (Bankr.S.D.Fla.1984), had the opportunity to interpret Section 222.14 . . .

In CONNER,, 172 B.R. 119 (Bankr. M.D. Fla. 1994)

. . . Stat. 222.14, the payments received and the right to receive future payments pursuant to the property . . . Section 222.14 states in relevant part: The cash surrender value of life insurance policies issued upon . . . in the judgment of dissolution of marriage are proceeds of an annuity contract pursuant to section 222.14 . . . The Florida Supreme Court addressed the definition of annuity contract in the context of section 222.14 . . . The trustee’s objection to claim of exemption pursuant section 222.14 Fla.Stat. regarding the property . . .

In SOLOMON,, 166 B.R. 998 (Bankr. S.D. Fla. 1994)

. . . $450,000 in 1985 cannot be considered the proceeds of an annuity contract under Florida Statutes § 222.14 . . . Florida Statutes § 222.14 provides, in pertinent part: [T]he proceeds of annuity contracts issued to . . . upon the above-referenced definitions to hold that the payments were exempt under Florida Statutes § 222.14 . . . an annuity, it is hard to conceive of any limitation on the exemption provided by Florida Statutes § 222.14 . . . lottery winnings by the State of Connecticut to the debtor were not exempt under Florida Statutes § 222.14 . . .

In H. SCOTT, 166 B.R. 459 (Bankr. M.D. Fla. 1994)

. . . claiming that their interest in the life insurance policies described earlier are exempt pursuant to § 222.14 . . .

In P. DILLON,, 166 B.R. 766 (Bankr. S.D. Fla. 1994)

. . . the payments they receive from John Hancock under the Settlement Agreement are exempt pursuant to § 222.14 . . . Section 222.14, Fla.Stat., provides in pertinent part: [T]he proceeds of annuity contracts issued to . . . Fla.Stat. § 222.14 (1993). . . . This Court has acknowledged that: As [§ 222.14 Fla.Stat.] now reads and as it has been interpreted by . . . The Settlement Agreement is not an annuity under § 222.14, Fla.Stat. 2. . . .

In DAVIDSON AMERITRUST NATIONAL BANK, n k a v. DAVIDSON FURR, v. DAVIDSON, 164 B.R. 782 (Bankr. S.D. Fla. 1994)

. . . Under Florida Statute Section 222.14, annuities are exempt from attachment, garnishment or legal process . . .

In LESH d b a DK, 159 B.R. 982 (Bankr. M.D. Fla. 1993)

. . . X, § 4 of the Florida Constitution, and additionally, Florida Statutes § 222.14 and § 522(d)(10) of the . . .

In A. MACKEY,, 158 B.R. 509 (Bankr. M.D. Fla. 1993)

. . . Stat. ch. 222.14, but she did not list the land sale transaction in her schedule of financial affairs . . . Fla.Stat. 222.14. . . .

In A. COPLAN, 156 B.R. 88 (Bankr. M.D. Fla. 1993)

. . . . § 222.14. . . .

In DIXSON, A. RUFF, v. DIXSON,, 153 B.R. 594 (Bankr. M.D. Fla. 1993)

. . . The objectors first argue that the scope of annuity contracts exempted under Section 222.14 does not . . . Debt- or claimed the proceeds as exempt property under Florida Statute 222.14. . . . . § 222.14. . . . Given the broad application of section 222.14 by the Florida Supreme Court, this Court concludes that . . . Additionally, Florida Statute 222.14 permits the debtor to exempt from property of the bankruptcy estate . . .

In G. PIZZI,, 153 B.R. 357 (Bankr. S.D. Fla. 1993)

. . . . § 222.14 is controlling. . . . In relevant part, § 222.14 provides as follows: The proceeds of annuity contracts issued to citizens . . . 222.14 states that for an annuity contract to be exempt, the contract must be issued to “citizens or . . . CONCLUSION Section 222.14 of the Florida Statutes allows debtors to exempt the payments received under . . . Unlike Florida Statute § 222.14, Ohio’s annuity exemption is narrowly limited to payments on account . . .

In L. McCOLLAM, E. LeCROY, v. L. McCOLLAM,, 986 F.2d 436 (11th Cir. 1993)

. . . The ambiguity of the term, without precise definition by the Florida legislature, renders section 222.14 . . . Such ambiguity is resolved, however, by considering the legislative history of section 222.14. . . . In 1978, the legislature amended section 222.14 to provide: Exemption of cash surrender value of life . . . It is not clear whether the term “life insurance” as used in § 222.14 includes proceeds of annuities. . . . The only annuity contracts exempt under section 222.14 are those that involve the insurance of human . . . . § 222.14. . . . . § 222.14. A copy of the Supreme Court decision is attached to this opinion. . . . We hold that section 222.14, Florida Statutes (1989), exempts an annuity from creditor claims in bankruptcy . . . LeCroy argues that a literal reading of section 222.14 will invite substantial abuses of the exemption . . . Section 222.14 clearly exempts all annuity contracts from creditor claims. . . .

In L. McCOLLAM, E. LeCROY, v. L. McCOLLAM,, 986 F.2d 436 (11th Cir. 1993)

In L. McCOLLAM, E. LeCROY, v. L. McCOLLAM,, 612 So. 2d 572 (Fla. 1993)

. . . The ambiguity of the term, without precise definition by the Florida legislature, renders section 222.14 . . . Such ambiguity is resolved, however, by considering the legislative history of section 222.14. . . . In 1978, the legislature amended section 222.14 to provide: Exemption of cash surrender value of life . . . It is not clear whether the term “life insurance” as used in § 222.14 includes proceeds of annuities. . . . The only annuity contracts exempt under section 222.14 are those that involve the insurance of human . . . . § 222.14. . . . We hold that section 222.14, Florida Statutes (1989), exempts an annuity from creditor claims in bankruptcy . . . LeCroy argues that a literal reading of section 222.14 will invite substantial abuses of the exemption . . . Section 222.14 specifically provides that “proceeds of annuity contracts issued to citizens or residents . . . Section 222.14 clearly exempts all annuity contracts from creditor claims. . . .

In F. SCHWARB F., 150 B.R. 470 (Bankr. M.D. Fla. 1992)

. . . St at. 222.14 and, of course, their residence on which they pre-paid the mortgage as their homestead . . .

In DEES a k a H. TURNER, Jr. v. DEES a k a, 155 B.R. 238 (Bankr. S.D. Ala. 1992)

. . . Florida Statutes § 222.14 (1992) provides an exemption for cash surrender values for any annuity contract . . . wrongful death settlement was exempt from creditors claims in bankruptcy pursuant to Florida Statutes § 222.14 . . .

In LEVINE a k a P. a k a WEISSING, v. LEVINE a k a P. a k a USA, 139 B.R. 551 (Bankr. M.D. Fla. 1992)

. . . . § 222.14, the mere fact that the Debtors converted nonexempt assets to annuities which are exempt will . . .

In PRUNER, 140 B.R. 1 (M.D. Fla. 1992)

. . . alternatively argues that his interest in the Plan is exempt as an annuity under Florida Statute Section 222.14 . . .

In L. McCOLLAM, E. LeCROY, v. L. McCOLLAM,, 955 F.2d 678 (11th Cir. 1992)

. . . . § 222.14. . . . reveals that courts in jurisdictions other than Florida have held that statutes similar to Fla.Stat. § 222.14 . . . debtor, on her bankruptcy schedule B-4, has claimed an exemption for the annuity under Fla.Stat. § 222.14 . . . PAYING A DEBTOR A LUMP SUM PRESENTLY OWED IS EXEMPT FROM CREDITOR CLAIMS IN BANKRUPTCY UNDER FLA.STAT. § 222.14 . . . Fla.Stat. § 222.14 (emphasis added). Florida has opted out of the federal bankruptcy exemptions. . . .

In L. McCOLLAM, E. LeCROY, v. L. McCOLLAM,, 955 F.2d 678 (11th Cir. 1992)

In WEEKS, 134 B.R. 972 (Bankr. M.D. Fla. 1991)

. . . . § 222.14 and § 222.18. . . .

In LEVINE P. A. MILLER, v. LEVINE P., 132 B.R. 464 (Bankr. M.D. Fla. 1991)

. . . . § 222.14 to prevent, hinder or delay payment of a debt due and owing to Miller. . . .

In I. KIMMEL,, 131 B.R. 223 (Bankr. S.D. Fla. 1991)

. . . . § 222.14. . . . . § 222.14. In re Gefen, 35 B.R. at 372. . . .

In ROSENBLOOM, a k a a k a In R. ROSENBLOOM, a k a, 132 B.R. 970 (Bankr. S.D. Fla. 1991)

. . . 113 B.R. 787, this Court ruled upon a similar challenge to the constitutionality of Florida Statute § 222.14 . . . In Wines, this Court held that Florida Statute § 222.14 was not violative of the Florida Constitution . . .

In KNOWLES a k a P. p k a P., 123 B.R. 428 (Bankr. M.D. Fla. 1991)

. . . sharing Plan with Fuller and Lane, M.D., P.A., (Fuller and Lane) as exempt pursuant to Florida Statutes § 222.14 . . . The Debtor Johnson also relies on Fla.Stat. § 222.14, which deals with the exemption of the cash surrender . . .

In L. MORROW A., 122 B.R. 151 (Bankr. M.D. Fla. 1990)

. . . . §§ 222.11 and 222.14. . . . Stat. § 222.14, which protects from the reach of creditors “the cash surrender value of life insurance . . . opinion that the Plan is not an annuity and thus cannot be claimed as exempt pursuant to Fla.Stat. § 222.14 . . .

In McCOLLAM f k a E. LeCROY, v. McCOLLAM f k a, 118 B.R. 129 (S.D. Fla. 1990)

. . . Florida Statute § 222.14, under the Homestead and Exemptions chapter, specifically provides that: The . . . Fla.Stat.Ann. § 222.14 (West 1990) (emphasis added). . . . McCollam’s annuity contract is exempt property under the Homestead protection of Florida Statute § 222.14 . . . McCollam is the named beneficiary in the annuity policy and is protected by § 222.14. . . . The annuity itself is not what is exempted by Florida Statute § 222.14. . . .

In GEPFRICH, GEPFRICH, v. GEPFRICH, MILLER, v. GEPFRICH, L. BAKST, v. GEPFRICH,, 118 B.R. 135 (Bankr. S.D. Fla. 1990)

. . . The Debtor has claimed the annuity he purchased as exempt under Florida Statute 222.14 in this proceeding . . . the federal exemptions which are more limiting than the exemptions provided under Florida Statute § 222.14 . . .

In J. WINES,, 113 B.R. 787 (Bankr. S.D. Fla. 1990)

. . . pursuant to § 222.21, Florida Statutes but, by amendments, has claimed the annuity as exempt under §§ 222.14 . . . However, given the Court’s ruling with respect to § 222.14, Florida Statutes, infra, it is not necessary . . . Statutes, is not exempt because, he argues, § 222.14 violates the exemption provisions of the Florida . . . Taylor, the constitutionality of the predecessor of § 222.14 was challenged. . . . Taylor do not validate § 222.14 to the extent that it applies to annuities. . . .

In McCOLLAM,, 110 B.R. 599 (Bankr. S.D. Fla. 1990)

. . . from the claims of creditors: “Travelers Indemnity Co. annuity, exempt pursuant to Florida Statute 222.14 . . . .- This statutory provision, Fla.Stat. § 222.14, provides an exemption for: “the proceeds of annuity . . . The creditor relies on the contrast of a comparable Louisiana statute to Fla.Stat. § 222.14 to support . . . I am convinced that the debt- or is entitled to claim the annuity as exempt under Fla.Stat. § 222.14. . . . Fla.Stat. § 222.14. .The creditor has characterized the annuity as an investment of a "personal injury . . .

In RETTEMNIER, 113 B.R. 757 (Bankr. S.D. Fla. 1990)

. . . Section 222.14 (1987) and the Social Security disability payments were claimed as exempt pursuant to . . . See. 222.14 also claimed as exempt on Schedule B-4, the monthly payments from the two respective annuity . . . Sections 222.14 and 222.201 (1987) and 11 U.S.C. Sec. 522(d)(10)(A), and that pursuant to 11 U.S.C. . . .

In SEILKOP,, 107 B.R. 776 (Bankr. S.D. Fla. 1989)

. . . . § 222.14 and a pension plan under Fla.Stat. § 222.21(2)(a). . . . The trustee argues that both Florida Statute § 222.14 and § 222.21(2)(a) are unconstitutional because . . . Specifically, Fla.Stat. § 222.14 provides: “... the proceeds of annuity contracts issued to citizens . . . FLA.STAT.ANN. § 222.14 (West 1989). . . . Secondly, the trustee argues that both Fla.Stat. § 222.14 and § 222.21(2)(a) are unconstitutional because . . .

In McDONALD,, 100 B.R. 598 (Bankr. S.D. Fla. 1989)

. . . . § 222.14. The trustee has not yet addressed that issue. I do not decide it here. . . .

In MART,, 88 B.R. 436 (Bankr. S.D. Fla. 1988)

. . . . § 222.14 This statute provides, effective July 1, 1978, in pertinent part: “the proceeds of annuity . . .

In R. BENEDICT,, 88 B.R. 387 (Bankr. M.D. Fla. 1988)

. . . One such exemption privilege is set forth in § 222.14, Florida Statutes. . . . Florida Statute § 222.14 exempts from legal process the proceeds of annuity contracts issued to citizens . . . All of the parties have stipulated that the debtor is a Florida resident. 7.Additionally, § 222.14 exempts . . . rationale set forth in Ebenger, he is the “beneficiary” of the annuity contract within the meaning of § 222.14 . . .

In F. BENEDICT,, 88 B.R. 390 (Bankr. M.D. Fla. 1988)

. . . One such exemption privilege is set forth in § 222.14, Florida Statutes. . . . Florida Statute § 222.14 exempts from legal process the proceeds of annuity contracts issued to citizens . . . Additionally, § 222.14 exempts the proceeds of annuity contracts from attachment, garnishment or legal . . . rationale set forth in Ebenger, she is the “beneficiary” of the annuity contract within the meaning of § 222.14 . . .

In A. GRIBBEN,, 84 B.R. 494 (S.D. Ohio 1988)

. . . . § 222.14, which provides: The cash surrender values of life insurance policies issued upon the lives . . . appellant’s interest in the pension plan is not an annuity that is except from attachment under Fla.Stat. § 222.14 . . .