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Furthermore, customers for this sort of strategy might have severe lawful or criminal backgrounds. It is essential to note that different service providers offer a series of issue ages on their guaranteed problem policies as low as age 40 or as high as age 80 - real funeral insurance. Some will also supply greater stated value, approximately $40,000, and others will enable far better survivor benefit problems by boosting the interest rate with the return of premium or lessening the variety of years till a full survivor benefit is offered