Death Due to Hurricane: How Term Insurance Helps Families

Tropical cyclones such as hurricanes create high winds over 74 mph and rain that can cause death and injury to families. This is where term insurance plans step in. It pays for all kinds of losses families have faced because of hurricanes. They can feel cared for and supported even when they have to deal with severe weather. Here, we are going to discuss hurricane storms insurance that can help people in decision making.

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What Is a Hurricane?

A hurricane is a storm characterised by extremely high winds of over 74 mph and circular motion. It spins rapidly, creating large waves, and can be over 300 miles in diameter. Hurricanes develop over warm sea water and can last for days.

Each time a hurricane moves inland, the high winds start pushing trees down and damaging buildings (breaking roofs off). Water from the rain will also cause rivers to overflow their banks and make the lowland streets into dangerous water fun zones. Lastly, the high waves also create storm surges, which push the ocean onto land and result in damage to homes and roadways.

While hurricanes strike without warning and leave devastation behind, their impact goes beyond physical damage. Preparing for such uncertainties through term insurance ensures your family is financially protected even in the worst situations.

Term Plans

₹1
Crore

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@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Does Term Insurance Cover Death Due to a Hurricane?

Yes! You can get money from your term life insurance policy if you die during a natural disaster such as a hurricane or other severe storm. Term life insurance plans typically cover all natural causes of death, including the weather.

Term life insurance serves as a promise that your family will receive financial support upon your death. When you pay your premium, you are saving for your family until your death, at which time they will receive a large sum of money to provide for immediate needs.

By having this type of coverage, you can ensure that your family will be able to afford the necessities, such as food and housing, while still enjoying life through remembrance of you even during the toughest times.

Why Term Insurance Is Ideal for When the Storm Hits?

Natural disasters can arrive unexpectedly, leaving individuals and families concerned financially. Term Life Insurance acts as a protection by providing immediate funding so that children can continue their education and provide parents with the financial means to rebuild their lives after disasters.

Buy term policy at early ages when you are still young and healthy. This allows you to secure a lower premium rate that is similar to purchasing candy during its promotional price. The coverage is for 20, 30, and sometimes longer, and will cover most of your working years.

Term life insurance provides families peace knowing they are financially safe, and it's an expression of love when you plan for the future.

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Importance of Term Insurance in Natural Hazards

Natural disasters, such as hurricanes, cyclones and floods, are becoming more commonplace with the ongoing effects of climate change.

Covers All Natural Disasters: Term Life Insurance is an essential resource for all disaster types and covers each type at no additional cost. You can quickly compare term plans from numerous providers by using the internet to find the best term plan that meets your family's needs and job requirements.
Keep Dreams Alive: If you have a relatively high level of income, select a plan that provides coverage that is 15-20 times your annual salary, as recommended by Policybazaar to those earning steady incomes. This is especially important for families that wish to keep their home and dreams alive.
Peace Of Mind: The right term life insurance plan for you depends on your specific needs and circumstances. The peace of mind provided by a term life policy will allow you and your loved ones to enjoy everything you have worked hard to create and build, without constant concern over your financial obligations.

How To Buy 1 Crore Term Insurance Plan from Policybazaar 2026?

Below mentioned is the step-by-step guide to buy the best term insurance plan for 1 crore term plan from Policybazaar:

Step 1: Visit Policybazaar and Go to the Term Insurance page
Step 2: Fill in the basic details such as name, Date of Birth, and contact number and click on ‘View Plans’
Step 3: Answer the questions about smoking habits, annual income, occupation type, and educational qualification
Step 4: After submitting all the details, a list of all available 1 Crore term insurance plans will be displayed
Step 5: Choose the best term insurance plan that suits your financial needs and proceed to pay the first premium

Stay Safe from Hurricanes

Tune into weather reports and create your family plan based on the forecast. Term insurance should be in place as an emergency back-up. In fact, having a term insurance policy on a stormy day transforms the sadness of the day into the possibility of a new, bright beginning.

Hurricanes serve as reminders about the fragility of life. Buying a term insurance policy from Policy Bazaar today will allow you to hug your loved ones securely, minus the worries. Consult now!

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What is Term Life Insurance

FAQs

Q: Does Term Insurance Include Deaths from Bad Weather?

Ans: Yes, term insurance provides coverage for deaths caused by inclement weather (e.g., hurricanes, floods, storms). The vast majority of term policies will pay the entire death benefit amount since this would be categorized as a natural death.
Q: Will There Be a Wait Period for Deaths Caused by Storms?

Ans: No, accidents caused by natural disasters (e.g., hurricanes) do not require a waiting period. The process for making a claim is expedited once submitted and reviewed, which typically takes no more than a few weeks.
Q: What Happens If Someone Dies During the First Year of the Policy?

Ans: No, accidents caused by natural disasters (e.g., hurricanes) do not require a waiting period. The process for making a claim is expedited once submitted and reviewed, which typically takes no more than a few weeks.
Q: How Can Term Insurance Help If the Policy Holder’s Home Was Damaged During a Storm?

Ans: Monies from term insurance provide funds to repair homes, pay school tuition, or cover living expenses. Monies from term insurance help restore property lost or damaged as a result of adverse weather conditions.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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