Common-Disaster Clause Law and Legal Definition

Common-disaster clause is a provision in a dispositive instrument, such as an insurance policy and in some wills. This clause seeks to cover the situation in which the transferor and transferee die in a common disaster. Under this clause the primary beneficiary of the policy is required to survive the insured by a certain number of days in order to qualify to receive the benefits of the policy. For example, if the insured husband and the primary beneficiary, the wife, die in the same car accident, the secondary beneficiary will be entitled to the benefits. If wife survives for a while and then dies without a common disaster clause, then her estate would receive the benefits of the policy.