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Furthermore, clients for this kind of strategy might have severe legal or criminal histories. It is necessary to note that different service providers use a series of concern ages on their guaranteed problem policies as low as age 40 or as high as age 80 - 1 life direct funeral cover. Some will certainly also offer higher stated value, as much as $40,000, and others will enable much better survivor benefit conditions by improving the rates of interest with the return of premium or lessening the number of years up until a full survivor benefit is offered