This would be the only scenario I could see.
Working for an insurance co. it is likely she did buy a policy, maybe 2. One on her and one on MS. Even if MS and Jodi, somehow forged a policy after her collapse, with all the attention this case has garnered, they would never try and cash it. There would be too many red flags.
So if there is any insurance money to be had, it would have to be prior to he collapse.
They mispelled the name of the Jerger and Centonze InsurNace [sic] Agency that Michael and the Jergers are directors of.
I wonder if Terri's policy isn't hidden under some other "mispelling."