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Furthermore, clients for this sort of strategy could have serious legal or criminal backgrounds. It is very important to keep in mind that various carriers offer a series of issue ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - life insurance and funeral costs. Some will likewise use greater face worths, as much as $40,000, and others will certainly allow for better survivor benefit problems by enhancing the rates of interest with the return of costs or lessening the variety of years up until a complete survivor benefit is readily available