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Furthermore, clients for this kind of plan might have extreme lawful or criminal histories. It is very important to note that different carriers offer a variety of problem ages on their ensured issue policies as reduced as age 40 or as high as age 80 - funeral scheme underwriters. Some will additionally use higher face values, as much as $40,000, and others will enable much better fatality benefit problems by boosting the interest price with the return of costs or lessening the number of years until a complete death advantage is available