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In enhancement, customers for this sort of strategy can have severe lawful or criminal histories. It is very important to note that different service providers provide a variety of issue ages on their ensured problem policies as low as age 40 or as high as age 80 - funeral underwriters. Some will likewise provide higher stated value, as much as $40,000, and others will certainly permit better survivor benefit problems by boosting the rate of interest with the return of premium or lessening the variety of years up until a complete survivor benefit is available