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Additionally, clients for this kind of strategy might have severe legal or criminal histories. It is essential to note that different providers use a variety of issue ages on their ensured problem plans as reduced as age 40 or as high as age 80 - real funeral insurance cost. Some will also use higher stated value, approximately $40,000, and others will enable far better death advantage problems by improving the rate of interest with the return of costs or minimizing the number of years until a complete survivor benefit is offered