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In addition, customers for this kind of strategy can have serious lawful or criminal histories. It is very important to keep in mind that different carriers offer a series of problem ages on their ensured concern policies as low as age 40 or as high as age 80 - funeral policy for over 75. Some will additionally use greater face worths, as much as $40,000, and others will certainly enable better survivor benefit conditions by enhancing the rate of interest with the return of costs or minimizing the number of years till a complete survivor benefit is readily available