If the life insured dies during the term, the death benefit will be paid to the beneficiary. (en.wikipedia.org)
Benefits are not payable under the policy for any covered stage of cancer or if the life insured dies within 6 months of the policy coverage commencement. (policybazaar.com)
You can add accident benefit option where equal amount of sum assured would be paid in case life insured dies in accident. (myinvestmentideas.com)