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Additionally, clients for this type of strategy can have serious lawful or criminal histories. It is essential to keep in mind that various carriers supply a series of issue ages on their assured problem policies as reduced as age 40 or as high as age 80 - funeral policies for over 80. Some will certainly also offer higher face worths, up to $40,000, and others will certainly permit much better survivor benefit problems by enhancing the passion rate with the return of premium or decreasing the variety of years until a complete fatality advantage is available