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In enhancement, customers for this kind of strategy might have serious legal or criminal histories. It is necessary to note that various providers supply an array of concern ages on their ensured issue policies as low as age 40 or as high as age 80 - funeral insurance with no waiting period. Some will certainly also use higher stated value, as much as $40,000, and others will permit for better survivor benefit conditions by improving the rates of interest with the return of premium or lessening the variety of years until a complete death advantage is readily available