Beneficiary Loan Is A Life Insurance Beneficiary Responsible For The Debts Of The Benefactor In Mass.?

Is a life insurance beneficiary responsible for the debts of the benefactor in Mass.? - beneficiary loan

A friend of my son, who died suddenly at the age of 49 years. He was divorced and his son (25 years) was the beneficiary of your life. If your child responsible for the debts of his father? It was a loan he made to his father and mother, his ex when he and his wife were still married, but signed the divorce decree was agreed to be solely responsible for this debt. Can I assume that he alone can be responsible, but the payment of insurance premiums be connected? Thank you for help, serious and informed answers, please.