Sim's death - how are you dealing with it?

I'm gonna assume you're talking about unexpected deaths here. I usually know exactly what I want to happen in my sims lives - one of them dying unexpectedly means I exit without saving. That said, I have killed sims on purpose for the sake of a story.
If you're talking about all deaths in game - I've never had a sim die of old age in TS4 because I mostly play with aging off or on long.