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On top of that, clients for this sort of strategy might have extreme legal or criminal histories. It is necessary to note that various providers provide a series of concern ages on their ensured issue plans as reduced as age 40 or as high as age 80 - does life insurance cover funeral costs. Some will also use higher stated value, as much as $40,000, and others will permit for far better survivor benefit conditions by boosting the rates of interest with the return of premium or lessening the number of years up until a complete survivor benefit is available