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In addition, clients for this kind of plan might have serious legal or criminal histories. It is necessary to keep in mind that various carriers provide a variety of problem ages on their guaranteed issue policies as low as age 40 or as high as age 80 - insurance for funeral cover. Some will certainly also provide higher stated value, as much as $40,000, and others will certainly enable much better survivor benefit problems by improving the rate of interest with the return of costs or lessening the variety of years till a full death advantage is available