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On top of that, customers for this sort of strategy might have serious legal or criminal backgrounds. It's vital to note that different service providers use an array of problem ages on their guaranteed issue policies as low as age 40 or as high as age 80 - funeral insurance for seniors. Some will also use greater face worths, as much as $40,000, and others will certainly enable better fatality advantage problems by improving the rate of interest with the return of premium or reducing the variety of years up until a full death benefit is offered