To live for the rest of their life... it needs to be several million if living modestly and investing wisely. Chances are he wont normally have that much insurance "just incase" and once you have found you have a terminal illness GOOD LUCK getting coverage like that. It won't happen.

And if its a legal way... why not do that now for a year and all of you could live off it forever. It has to be illegal and you dont care because you are dead anyways.