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Additionally, customers for this sort of plan can have extreme lawful or criminal histories. It is necessary to keep in mind that different carriers provide a variety of problem ages on their guaranteed issue plans as low as age 40 or as high as age 80 - funeral policies for over 70. Some will additionally use greater stated value, as much as $40,000, and others will certainly permit for much better survivor benefit conditions by enhancing the rates of interest with the return of premium or reducing the variety of years till a full survivor benefit is offered