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Additionally, clients for this kind of plan might have serious legal or criminal backgrounds. It is necessary to note that different carriers use a series of concern ages on their assured issue plans as low as age 40 or as high as age 80 - paying for a funeral without life insurance. Some will also use greater stated value, up to $40,000, and others will permit far better fatality advantage conditions by improving the rate of interest with the return of costs or lessening the variety of years up until a full fatality advantage is offered