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In addition, customers for this sort of strategy can have serious legal or criminal histories. It's vital to note that different carriers supply a variety of issue ages on their ensured problem plans as reduced as age 40 or as high as age 80 - most affordable funeral plan. Some will additionally offer higher face values, approximately $40,000, and others will enable better death benefit conditions by boosting the interest price with the return of premium or minimizing the variety of years till a full survivor benefit is available