Many people remain in the basic classification. Individuals in the tobacco classification typically need to pay greater premiums due to the greater death. Recent US mortality predict that approximately 0.35 in 1,000 non-smoking males aged 25 will die during the very first year of a policy. Death approximately doubles for every additional 10 years of age, so the mortality rate in the first year for non-smoking men is about 2.5 in 1,000 individuals at age 65.Upon the insured's death, the insurer requires appropriate evidence of death prior to it pays the claim. If the insured's death is suspicious and the policy amount is big, the insurance provider may examine the circumstances surrounding the death before choosing whether it has an obligation to pay the claim. Payment from the policy may be as a lump amount or as an annuity, which is paid in routine installments for either a specified period or for the beneficiary's lifetime.