The correct answer is: A. Early death claim.
An early death claim is a claim made when the insured person dies before the end of the policy term. Insurers will usually order an investigation into early death claims to ensure that the death was not caused by any fraudulent or suspicious activity.
A non-early claim is a claim made when the insured person dies after the end of the policy term. Insurers are less likely to order an investigation into non-early death claims, as they are more likely to be legitimate.
A maturity claim is a claim made when the policy reaches its maturity date. Insurers will usually not order an investigation into maturity claims, as they are considered to be routine.
A surrender is when the insured person cancels their policy before the end of the policy term. Insurers may order an investigation into surrenders to ensure that the insured person is not cancelling their policy for fraudulent or suspicious reasons.