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On top of that, customers for this kind of strategy can have serious legal or criminal histories. It is necessary to note that various carriers offer a variety of issue ages on their ensured problem policies as reduced as age 40 or as high as age 80 - funeral expense cover. Some will certainly also provide higher stated value, up to $40,000, and others will certainly enable better fatality advantage problems by enhancing the rates of interest with the return of premium or minimizing the variety of years until a full survivor benefit is available