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In addition, customers for this type of strategy can have serious legal or criminal histories. It is necessary to keep in mind that various service providers offer a series of issue ages on their assured problem policies as low as age 40 or as high as age 80 - over 50 funeral plans. Some will likewise use greater stated value, as much as $40,000, and others will certainly allow for better survivor benefit problems by enhancing the rates of interest with the return of premium or decreasing the variety of years up until a complete death benefit is available