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Furthermore, customers for this kind of plan can have severe legal or criminal histories. It is very important to note that various carriers offer a series of problem ages on their ensured issue plans as reduced as age 40 or as high as age 80 - funeral insurance for under 50. Some will additionally provide higher face values, up to $40,000, and others will certainly permit far better survivor benefit problems by improving the rates of interest with the return of premium or reducing the number of years up until a full survivor benefit is available