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Additionally, clients for this sort of strategy could have serious legal or criminal backgrounds. It is very important to note that various carriers offer a variety of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - funeral costs insurance policy. Some will likewise provide greater stated value, up to $40,000, and others will enable for much better death advantage conditions by boosting the passion rate with the return of premium or decreasing the number of years until a full death benefit is offered