One thing you can be sure of is that it will not be one dollar more than was in existence on the date of Terri's cardiac arrest in 1990. She immediately became uninsurable. Since she was 26 and Michael was 27 and they didn't have a lot of money, I doubt it was very much, if any. Don't let your anger carry you away.
Terri worked for an insurance company. She could have had extraordinary coverage as a fringe benefit. In fact, that's how the Schindlers got to FL, wasn't it? Terri and MRS moved first because of HER job. Then the Schindlers joined them a few months later.
I bet to God they wish that they had never left PA.
You can be sure that there is $ in this for MRS. How, I don't know for sure.