No apologies needed. It's always good to ask questions. The answer to both of your questions is yes.
If a character with Willpower has their text box blanked or if they just lose their keywords, then they can be made to go insane. If a character with Terror somehow loses all of their Terror icons, they can also go insane.
Note that there are a few cards that specifically state Terror icons don't protect characters from going insane (and I think there's at least 1 that allows you to make a character with Willpower go insane too), but these are rare.
EDIT: I found 2 examples of these rare "exception to the rule" cards:
By the way, the search function is at the very top of the page next to the FFG logo. It's small and hard to find.
Edited by Yipe, 11 November 2013 - 07:17 PM.