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.
Sandstorms -- also called duststorms -- are caused by strong winds blowing over loose soil or sand, and picking up so much of that material that visibility is greatly reduced. The widespread abundance of loose sand in deserts makes them the most common locations for sandstorms to form. In desert regions at certain times of the year, sandstorms become more frequent because the strong heating of the air over the desert causes the lower atmosphere to become unstable. This instability mixes strong winds in the middle troposphere downward to the surface, producing stronger winds at the surface.