Many people are in the standard category. People in the tobacco category generally have to pay greater premiums due to the greater death. Current United States death tables predict that approximately 0.35 in 1,000 non-smoking males aged 25 will pass away during the first year of a policy. Death around doubles for every additional ten years of age, so the death 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 insurance company needs appropriate proof of death before it pays the claim. If the insured's death is suspicious and the policy amount is big, the insurer may investigate the circumstances surrounding the death prior to choosing whether it has a responsibility to pay the claim. Payment from the policy might be as a lump sum or as an annuity, which is paid in routine installments for either a specific duration or for the beneficiary's life time.