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Additionally, clients for this kind of plan can have serious legal or criminal histories. It is very important to keep in mind that different carriers offer an array of problem ages on their ensured problem policies as reduced as age 40 or as high as age 80 - funeral expense insurance. Some will additionally offer greater stated value, up to $40,000, and others will certainly allow for much better survivor benefit problems by enhancing the rates of interest with the return of premium or reducing the number of years until a complete survivor benefit is readily available