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In enhancement, clients for this kind of strategy can have serious lawful or criminal backgrounds. It is essential to note that various carriers supply a variety of issue ages on their ensured problem policies as low as age 40 or as high as age 80 - funeral cover. Some will also provide higher stated value, as much as $40,000, and others will certainly enable for better death benefit conditions by enhancing the rate of interest with the return of premium or reducing the number of years till a complete survivor benefit is offered