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Additionally, clients for this sort of strategy could have extreme legal or criminal histories. It is essential to note that different providers offer an array of problem ages on their assured issue plans as reduced as age 40 or as high as age 80 - advantages of funeral insurance. Some will certainly also use greater stated value, up to $40,000, and others will permit much better death advantage problems by boosting the interest rate with the return of premium or decreasing the variety of years until a complete survivor benefit is readily available