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On top of that, clients for this kind of plan could have serious legal or criminal backgrounds. It is necessary to keep in mind that different carriers provide a variety of problem ages on their assured problem plans as reduced as age 40 or as high as age 80 - insurance funeral expenses. Some will additionally provide greater stated value, up to $40,000, and others will enable much better survivor benefit conditions by boosting the rates of interest with the return of premium or minimizing the variety of years up until a complete survivor benefit is offered