Discussion Group Life Assurance - Does ctb still trigger a payout?

[yolo1234]

Does anyone know whether ctb will trigger a life insurance payout (Group Life Assurance - Employer)? I know its after 1-2 years on an individual life insurance policy.

 

[Quiet Desperation]

The only way to know for sure is to get the full text of your policy and read through it. In the US I believe that most policies which have been outstanding for at least 2 years will pay out if not subject to some other exclusion. The details should be covered in the exclusions section of the policy.

Also be aware that if you are placed into a ward, individual life insurance will no longer be affordable. Applications for new insurance will require you to disclose that, resulting in an exhorbitant premium, and if you fail to do so any payout will be denied due to the false information on the application.