1 Basically, that means he or she must be at risk of a financial loss if you die. 2  Examples of people with an insurable interest in your life include your spouse, blood-related family member or a business partner. 3  Medical exam or release of medical information.
Sandstorms are universal events. this means that if one desert has a sandstorm, all deserts will have a sandstorm. Sandstorms only occur in Deserts. The background will appear as normal everywhere else. They can also occur in player-made deserts.
Thunderstorms can happen anywhere and at anytime as long as the weather conditions are right. These storms most frequently form within areas located at mid-latitude where warm moist air front collides and border cool air fronts. Compared to more active parts of the United States, thunderstorms are relatively rare in Alaska, New England, North Dakota, Montana, and other northern states where the air is generally cold.