It is quite possible that Terri had a policy before the accident.
From what I have read, she worked for an insurance company, didn't she?
That's a good point.
If Terri was employed at the time she was struck down - she could possibly have had an employee benefit of a life insurance policy - WHICH MOST EMPLOYERS PROVIDE TO FULL TIME EMPLOYEES - regardless of whether they work for an insurance company or not.
However, while she could have been put on disability .. after a certain period of time - the employee sponsored life insurance would have gone bye-bye.
However, if she worked for an insurance office - she could have had additional insurance .. you're correct that could be a possibility. But .. according to Felos - "there is no money".
I don't have any information about who she worked for.