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In addition, customers for this kind of strategy might have serious legal or criminal histories. It is necessary to keep in mind that various carriers provide a series of issue ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - funeral plan benefits. Some will also provide higher stated value, as much as $40,000, and others will permit for far better death benefit problems by improving the passion rate with the return of premium or decreasing the variety of years until a complete fatality benefit is available