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Additionally, customers for this kind of plan could have serious lawful or criminal histories. It's vital to note that different carriers use a series of issue ages on their assured problem plans as reduced as age 40 or as high as age 80 - life insurance and funeral plans. Some will additionally offer greater face worths, as much as $40,000, and others will certainly enable for far better fatality benefit problems by improving the rate of interest with the return of premium or lessening the variety of years until a full survivor benefit is available