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On top of that, clients for this kind of strategy could have extreme legal or criminal backgrounds. It is very important to keep in mind that various service providers offer a variety of issue ages on their assured problem policies as reduced as age 40 or as high as age 80 - funeral insurance underwriters. Some will also offer greater stated value, as much as $40,000, and others will certainly enable much better survivor benefit problems by boosting the rate of interest rate with the return of premium or lessening the number of years up until a complete fatality advantage is available