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Furthermore, customers for this kind of strategy might have serious legal or criminal histories. It is essential to keep in mind that different carriers provide a range of issue ages on their guaranteed concern plans as reduced as age 40 or as high as age 80 - life cover and funeral cover. Some will also offer greater stated value, up to $40,000, and others will certainly permit much better survivor benefit conditions by enhancing the rate of interest with the return of costs or minimizing the variety of years up until a complete death advantage is readily available