The majority of people remain in the basic category. Individuals in the tobacco category generally need to pay higher premiums due to the higher death. Recent US death tables predict that approximately 0.35 in 1,000 non-smoking males aged 25 will pass away during the very first year of a policy. Death approximately doubles for every additional ten years of age, so the death rate in the very first year for non-smoking guys is about 2.5 in 1,000 individuals at age 65.Upon the insured's death, the insurance provider requires appropriate evidence of death before it pays the claim. If the insured's death is suspicious and the policy quantity is big, the insurance company may investigate the circumstances surrounding the death before deciding whether it has a responsibility to pay the claim. Payment from the policy may be as a swelling sum or as an annuity, which is paid in routine installations for either a specified duration or for the beneficiary's lifetime.