An employee misstates their age when enrolling in a group life plan. What will happen if the employee dies after reaching the maximum age of the policy?

If an employee misstates their age and subsequently dies after reaching the maximum age of the group life policy, the correct outcome is that the beneficiary will receive nothing. This is because life insurance policies typically have maximum age limits, beyond which coverage is not provided. When the individual enrolled in the policy, the erroneous age could have influenced the issuance of the coverage or the terms under which it was issued.

When the accurate age reveals that the individual was beyond the permissible age limit at the time of their death, the insurer can void the coverage due to the misrepresentation. In essence, the insurance company relies on accurate information to underwrite the policy. If the insured person is outside the age limits specified in the policy at the time of death, the coverage is deemed null and void, resulting in no payout to the beneficiary.

Thus, while other options might suggest different outcomes regarding adjustments or continued coverage, they do not align with standard underwriting practices in life insurance related to age misrepresentation.