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Additionally, customers for this type of strategy can have extreme lawful or criminal histories. It's essential to note that various carriers provide a series of problem ages on their guaranteed concern policies as low as age 40 or as high as age 80 - real funeral insurance. Some will also offer higher stated value, approximately $40,000, and others will certainly enable better survivor benefit conditions by improving the interest price with the return of costs or lessening the number of years up until a full death benefit is offered