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In addition, clients for this kind of plan might have severe legal or criminal backgrounds. It's important to note that various service providers provide a variety of concern ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - funeral expenses insurance. Some will also use higher stated value, up to $40,000, and others will allow for much better fatality benefit problems by enhancing the interest price with the return of costs or lessening the number of years until a full survivor benefit is readily available