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In addition, customers for this kind of strategy can have severe lawful or criminal histories. It is necessary to keep in mind that different carriers provide a variety of problem ages on their ensured problem policies as low as age 40 or as high as age 80 - using life insurance to pay for funeral. Some will also use greater face worths, approximately $40,000, and others will certainly permit for far better survivor benefit conditions by boosting the rate of interest with the return of premium or decreasing the variety of years up until a full death advantage is available