If you are wondering about life insurance - it would have been easy to buy a policy on Daniel. I'm not sure HKS & ANS would have bothered to keep paying the premiums. If there was insurance on Daniel, any good Ins. adjuster would wait for the results of the inquest before pay out.
On the matter of ANS - any private life insurance policy - depending on the type and amount - would have required at least a health statement and perhaps a physical examination.
She would not have gotten past a good underwriter.
If any insurance (miraculously) existed - no payout until the cause & manner of death are established.
Then there's DOUBLE INDEMNITY if the death(s) are accidental
Food for thought.
I'm just praying that Larry is the father. Is Larry a resident (citizen) of the Bahamas??