I am the beneficiary on my husbands life insurance policy?

I am the beneficiary on my husbands life insurance policy, he owes money to the irs and has a few credit cards that I am not on. and we have a few together. Can creditors take the life insurance policy? Or does it go straight to me, as I am the beneficiary, I am planning on paying off credit cards and stuff when my husband does p, :[ I just need some answers, im all out of sorts, thankyou very much for taking the time to read this.