Term Life Insurance for Natural Disasters

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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UPDATED: Aug 6, 2020

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Mother Nature seems to be quite upset this year. Already we’ve seen major earthquakes, unprecedented tornado activity, uncontrollable wildfires and an ominous beginning to the hurricane season. Below are just a few of the many natural disasters 2011 has seen:

Great East Japan Earthquake:  A 9.0 jolt off the coast of Japan causing a major tsunami and the meltdown of three nuclear reactors at the Fukushima Nuclear Power Plant. The Japanese Police Agency has confirmed 15,780 deaths, 5,929 injuries and 4,122 people missing.

Tornadoes:  There have been 1,764 tornadoes reported so far this year in the US. An estimated 556 people have died worldwide due to tornadoes.

Texas Wildfires:  Wildfires have already scorched an estimated 3.6 million acres and counting. Thousands of homes have been destroyed throughout the state.

Major Natural Disasters

Perhaps we are only experiencing ‘weather amnesia’ due many recent decades of relatively few major natural disasters. The world has certainly experienced many catastrophic natural disasters throughout history, with the following being some of the more notable.

  • 1900 – Galveston, Texas:  A Category 4 hurricane killed 8,000 people.
  • 1925 – Missouri, Indiana, & Illinois:  The deadliest tornado on record ripped through 3 states, killing 625 people and injuring more than 2,000.
  • 1928 – Okeechobee, Florida:  A Category 5 hurricane killed a total of 4,078 people, many in South Florida.
  • 1931 – China:  Massive flooding of the Yellow and Yangtze rivers killed nearly 4 million people.
  • 1937 – Ohio/Mississippi Valley:  Flooding killed 250 people.
  • 1938 – New England:  The Great Hurricane of 1938 was a Category 3 storm that killed close to 800 people.
  • 1950 – 1957 – Texas:  Severe drought caused 244 out of 254 counties to be declared federal disaster areas
  • 1970 – Bangladesh:  A tropical cyclone killed an estimated 300,000 – 500,000 people.

Whether or not these recent natural disasters are influenced by man-made global warming is a hot topic. But regardless of the cause, it is essential to protect your loved ones from Mother Nature’s wrath. Most term life insurance policies cover death due to natural and accidental causes, severe weather included.

So if Mother Nature continues on her current path of destruction, try to get out of her way and be sure your term life insurance policy carries sufficient coverage for your family.

Source: Wikipedia

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