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In enhancement, clients for this type of plan might have severe lawful or criminal histories. It is very important to note that different providers offer a variety of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - american funeral assurance company. Some will also provide greater stated value, as much as $40,000, and others will certainly permit for better fatality advantage conditions by enhancing the rates of interest with the return of premium or minimizing the variety of years till a full survivor benefit is readily available