[CyberAnt]

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.

[ladyjane]

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.

Not true. Many employers continue to provide the life insurance after the individual goes out on disability. If they don't provide it the former employee can frequently continue it.