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On top of that, clients for this kind of plan might have severe legal or criminal backgrounds. It is very important to keep in mind that various providers offer a series of issue ages on their assured problem plans as reduced as age 40 or as high as age 80 - funeral plan insurance policies. Some will additionally offer higher stated value, as much as $40,000, and others will allow for much better survivor benefit problems by boosting the rate of interest with the return of premium or reducing the variety of years until a full survivor benefit is offered