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Additionally, clients for this kind of strategy can have serious lawful or criminal backgrounds. It is essential to keep in mind that various carriers use a series of concern ages on their guaranteed issue plans as low as age 40 or as high as age 80 - cremation insurance plans. Some will certainly also offer higher face values, up to $40,000, and others will permit better survivor benefit problems by enhancing the rate of interest with the return of premium or minimizing the number of years until a full survivor benefit is offered