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In addition, clients for this type of strategy might have serious lawful or criminal histories. It's essential to note that different carriers use a variety of issue ages on their assured issue plans as reduced as age 40 or as high as age 80 - insurance to cover burial expenses. Some will also provide higher stated value, up to $40,000, and others will permit much better survivor benefit conditions by enhancing the rate of interest with the return of premium or lessening the number of years up until a full death advantage is readily available