Tony took out a $1,000,000 life insurance policy on his life 10 years ago. Last year, when the policy's interpolated terminal reserve was worth $400,000, Tony gave the policy to his son, Chuck. Tony paid $100,000 in gift tax on the transaction. At Tony's death last month, Chuck, who was both full owner of the policy and sole beneficiary, was paid $1,000,000. 

What amount is included in Tony's estate?