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Furthermore, clients for this sort of strategy can have extreme legal or criminal histories. It's vital to note that different carriers use a series of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - does medicare cover funeral expenses. Some will certainly also offer higher face worths, up to $40,000, and others will certainly permit far better survivor benefit conditions by boosting the rate of interest rate with the return of premium or lessening the variety of years until a full fatality advantage is readily available