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Furthermore, clients for this kind of strategy could have serious legal or criminal histories. It is necessary to note that various carriers provide a variety of concern ages on their assured issue plans as reduced as age 40 or as high as age 80 - funeral and life insurance. Some will also supply higher stated value, up to $40,000, and others will enable for far better survivor benefit problems by enhancing the rates of interest with the return of premium or lessening the number of years up until a complete survivor benefit is available