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On top of that, clients for this kind of strategy might have extreme lawful or criminal histories. It is necessary to note that various carriers offer an array of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - burial life insurance cost. Some will also supply greater stated value, as much as $40,000, and others will enable better survivor benefit problems by improving the rate of interest rate with the return of premium or decreasing the variety of years up until a complete survivor benefit is offered