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Furthermore, clients for this type of strategy might have serious legal or criminal histories. It is necessary to keep in mind that various carriers provide a variety of issue ages on their ensured concern policies as low as age 40 or as high as age 80 - funeral expense. Some will additionally supply greater stated value, as much as $40,000, and others will certainly enable much better fatality advantage problems by enhancing the rate of interest with the return of costs or lessening the number of years until a complete survivor benefit is available