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In addition, clients for this sort of strategy can have serious lawful or criminal histories. It is essential to keep in mind that different providers supply a series of concern ages on their ensured issue policies as low as age 40 or as high as age 80 - funeral policy cover. Some will also supply greater stated value, approximately $40,000, and others will certainly enable for much better death advantage problems by improving the interest rate with the return of premium or reducing the variety of years up until a complete survivor benefit is readily available