Many individuals are in the standard category. Individuals in the tobacco category normally have to pay greater premiums due to the greater death. Recent United States mortality predict that roughly 0.35 in 1,000 non-smoking males aged 25 will die throughout the first year of a policy. Death roughly doubles for every extra 10 years of age, so the mortality rate in the first year for non-smoking males has to do with 2.5 in 1,000 people at age 65.Upon the insured's death, the insurance provider requires appropriate evidence of death prior to it pays the claim. If the insured's death is suspicious and the policy quantity is large, the insurance company may examine the situations surrounding the death prior to choosing 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 routine installations for either a given period or for the recipient's life time.