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In enhancement, clients for this sort of strategy might have extreme legal or criminal histories. It is very important to keep in mind that different carriers provide a range of problem ages on their ensured issue plans as reduced as age 40 or as high as age 80 - seniors insurance funeral. Some will additionally use greater stated value, up to $40,000, and others will permit for much better survivor benefit problems by boosting the rate of interest with the return of premium or decreasing the variety of years up until a full survivor benefit is available