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Furthermore, clients for this kind of strategy might have serious legal or criminal backgrounds. It is very important to note that different providers provide a variety of concern ages on their guaranteed problem plans as reduced as age 40 or as high as age 80 - insurance to cover funeral expenses. Some will also offer higher stated value, as much as $40,000, and others will permit much better death advantage conditions by boosting the rates of interest with the return of premium or reducing the variety of years until a complete death benefit is available