Seems like this is a downvoted opinion, but I concur. Strange really, how much months/years of expenses would $10k get their family? Not much more than a few months I assume?
That seems more in line with my experience (and the $10,000 price is also something I've heard often). I could easily see my grandparents in law (who live in rural China) be able to live of $10k for three years, given that nothing exceptional happens.