Many people remain in the basic category. Individuals in the tobacco category generally need to pay higher premiums due to the greater mortality. Recent US death tables anticipate that approximately 0.35 in 1,000 non-smoking males aged 25 will die during the first year of a policy. Death roughly doubles for every extra 10 years of age, so the death rate in the first year for non-smoking males has to do with 2.5 in 1,000 individuals at age 65.Upon the insured's death, the insurer needs acceptable proof of death before it pays the claim. If the insured's death is suspicious and the policy amount is big, the insurance provider may examine the situations surrounding the death prior to deciding whether it has a commitment to pay the claim. Payment from the policy may be as a swelling amount or as an annuity, which is paid in regular installments for either a given duration or for the beneficiary's life time.