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In addition, clients for this type of plan could have extreme lawful or criminal backgrounds. It is necessary to note that different carriers provide a series of problem ages on their guaranteed problem policies as low as age 40 or as high as age 80 - funeral insurance for over 85. Some will likewise supply higher face values, as much as $40,000, and others will enable much better survivor benefit problems by improving the interest price with the return of premium or reducing the number of years until a complete fatality benefit is readily available