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On top of that, clients for this kind of plan can have serious legal or criminal histories. It is very important to note that various carriers use an array of issue ages on their assured problem plans as low as age 40 or as high as age 80 - company funeral policy. Some will additionally provide higher face values, approximately $40,000, and others will enable far better death advantage conditions by enhancing the passion rate with the return of premium or decreasing the number of years up until a full survivor benefit is available