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Additionally, clients for this sort of strategy can have extreme lawful or criminal backgrounds. It is essential to keep in mind that various carriers use an array of issue ages on their guaranteed problem policies as reduced as age 40 or as high as age 80 - burial and final expense insurance. Some will additionally supply higher stated value, as much as $40,000, and others will certainly allow for better survivor benefit problems by enhancing the rate of interest with the return of costs or lessening the variety of years till a full death advantage is available