Hi i have mindef group term understand i cant put in will or nomination. where the money goes to if i pass away?

Hey you can refer to the table here for the the estated distribution sequence. https://plannerbee.co/learn-personal-finance/no...

You can and should use a will to appoint an executor and trustee to handle claims and distribute the proceeds from a group insurance policy. Group insurance proceeds form part of the deceased's estate. Group insurance will only payout upon a court order (can be Grant of Probate or Letter of Administration). The asset listing accompanying your will lets your loved ones know what and where are your assets and how to get started.

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If you do not have a will, a NOK will need to appoint him/herself to become an administrator to your estate and thereafter claim and distribute in accordance to the Intestate Succession Act. The Public Trustee Office will assume the role of trustee without a will.