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On top of that, clients for this kind of plan can have serious legal or criminal histories. It's important to note that various carriers use an array of problem ages on their guaranteed problem policies as low as age 40 or as high as age 80 - burial insurance meaning. Some will certainly likewise use higher stated value, approximately $40,000, and others will certainly permit for better survivor benefit problems by improving the rates of interest with the return of premium or decreasing the variety of years until a full survivor benefit is readily available