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Furthermore, clients for this kind of plan could have extreme legal or criminal histories. It is essential to note that various carriers provide a series of concern ages on their assured problem policies as low as age 40 or as high as age 80 - covering funeral costs. Some will certainly likewise use greater face values, as much as $40,000, and others will certainly enable better survivor benefit conditions by boosting the rate of interest with the return of premium or minimizing the variety of years until a full death benefit is offered