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Furthermore, clients for this type of strategy might have serious legal or criminal histories. It is necessary to note that various carriers provide a series of problem ages on their guaranteed problem plans as low as age 40 or as high as age 80 - best funeral insurance plan. Some will also supply higher face worths, up to $40,000, and others will enable far better survivor benefit conditions by improving the rate of interest with the return of costs or reducing the variety of years up until a full survivor benefit is available