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Additionally, customers for this kind of plan can have serious lawful or criminal backgrounds. It is essential to note that different providers provide an array of problem ages on their ensured problem policies as reduced as age 40 or as high as age 80 - funeral cover under 50. Some will additionally use greater stated value, as much as $40,000, and others will allow for better death benefit conditions by enhancing the rate of interest rate with the return of costs or decreasing the number of years up until a complete survivor benefit is offered