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On top of that, customers for this kind of strategy can have severe legal or criminal backgrounds. It is very important to keep in mind that different carriers use a variety of problem ages on their guaranteed issue policies as low as age 40 or as high as age 80 - funeral and burial expenses. Some will also supply greater stated value, up to $40,000, and others will certainly enable for much better survivor benefit conditions by improving the rate of interest with the return of premium or lessening the variety of years up until a complete fatality advantage is available