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In addition, customers for this kind of strategy might have severe legal or criminal backgrounds. It's crucial to keep in mind that different carriers provide a variety of concern ages on their guaranteed issue plans as low as age 40 or as high as age 80 - over 50 funeral plans. Some will also use greater stated value, approximately $40,000, and others will enable far better survivor benefit problems by enhancing the passion rate with the return of costs or reducing the number of years up until a full survivor benefit is available