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Furthermore, customers for this sort of strategy might have serious legal or criminal backgrounds. It is necessary to note that different carriers use a variety of problem ages on their ensured issue plans as low as age 40 or as high as age 80 - companies that offer funeral plans. Some will certainly also offer higher stated value, as much as $40,000, and others will permit much better death benefit problems by boosting the rate of interest with the return of premium or reducing the variety of years until a full survivor benefit is offered