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On top of that, customers for this type of strategy can have serious lawful or criminal backgrounds. It is necessary to note that various providers use a variety of problem ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - american funeral assurance company. Some will certainly likewise use greater face values, approximately $40,000, and others will enable for better survivor benefit problems by enhancing the rate of interest rate with the return of premium or lessening the number of years till a full death benefit is available