The majority of people are in the standard category. Individuals in the tobacco category normally have to pay greater premiums due to the higher death. Current United States mortality predict that approximately 0.35 in 1,000 non-smoking males aged 25 will die during the first year of a policy. Mortality approximately doubles for every additional 10 years of age, so the death rate in the first year for non-smoking men has to do with 2.5 in 1,000 individuals at age 65.Upon the insured's death, the insurance provider needs acceptable evidence of death before it pays the claim. If the insured's death is suspicious and the policy quantity is big, the insurer may examine the scenarios surrounding the death before deciding 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 regular installations for either a given duration or for the beneficiary's lifetime.