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Additionally, clients for this kind of strategy can have serious legal or criminal histories. It is very important to keep in mind that various carriers offer an array of concern ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - mutual burial. Some will also provide higher stated value, approximately $40,000, and others will enable for much better survivor benefit conditions by boosting the rates of interest with the return of premium or reducing the number of years until a complete death benefit is readily available