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In addition, clients for this kind of plan can have extreme lawful or criminal histories. It is essential to note that various carriers use a series of problem ages on their guaranteed issue policies as low as age 40 or as high as age 80 - no exam burial insurance. Some will certainly additionally provide higher stated value, up to $40,000, and others will certainly enable better death benefit problems by enhancing the interest price with the return of costs or reducing the number of years till a full survivor benefit is available