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Furthermore, clients for this kind of strategy can have severe lawful or criminal backgrounds. It is essential to note that various carriers supply a series of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - insurance for funeral cover. Some will also supply higher face worths, as much as $40,000, and others will permit far better death advantage problems by improving the interest rate with the return of costs or minimizing the number of years till a full death benefit is offered