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Furthermore, clients for this kind of plan could have serious legal or criminal histories. It's vital to note that various carriers use a series of problem ages on their assured issue plans as reduced as age 40 or as high as age 80 - funeral policies without waiting period. Some will additionally use greater face worths, approximately $40,000, and others will allow for better survivor benefit problems by boosting the passion rate with the return of costs or lessening the number of years up until a full fatality advantage is readily available