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Furthermore, customers for this kind of strategy might have serious legal or criminal backgrounds. It is necessary to keep in mind that various providers offer a range of issue ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - funeral cover policy. Some will also use greater stated value, up to $40,000, and others will permit for much better fatality benefit problems by enhancing the rate of interest with the return of premium or decreasing the variety of years up until a complete survivor benefit is offered