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Furthermore, clients for this kind of plan could have serious legal or criminal histories. It is necessary to note that various carriers provide a series of problem ages on their guaranteed problem policies as reduced as age 40 or as high as age 80 - life insurance and funeral plan. Some will also use higher face worths, up to $40,000, and others will certainly permit far better survivor benefit problems by enhancing the rate of interest with the return of premium or reducing the number of years up until a complete survivor benefit is offered