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Additionally, customers for this kind of strategy could have severe legal or criminal backgrounds. It is necessary to keep in mind that different carriers supply a variety of problem ages on their guaranteed issue plans as low as age 40 or as high as age 80 - funeral cover up to 85 years. Some will certainly also supply higher stated value, approximately $40,000, and others will enable much better survivor benefit conditions by improving the rates of interest with the return of premium or minimizing the number of years till a complete survivor benefit is readily available