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In addition, clients for this kind of plan can have severe legal or criminal backgrounds. It is very important to keep in mind that various service providers provide an array of problem ages on their ensured issue policies as reduced as age 40 or as high as age 80 - insurance for funeral and burial costs. Some will also provide greater stated value, as much as $40,000, and others will permit much better death benefit problems by enhancing the passion rate with the return of premium or lessening the number of years until a full survivor benefit is readily available