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On top of that, customers for this sort of strategy might have severe legal or criminal backgrounds. It is very important to note that various carriers use a series of issue ages on their ensured concern plans as reduced as age 40 or as high as age 80 - funeral policy for over 75. Some will certainly also provide higher face values, approximately $40,000, and others will certainly allow for much better death advantage conditions by enhancing the rates of interest with the return of costs or lessening the number of years till a complete survivor benefit is available