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Furthermore, clients for this type of plan might have severe legal or criminal histories. It is essential to note that different carriers offer an array of issue ages on their guaranteed issue plans as low as age 40 or as high as age 80 - funeral cost insurance policy. Some will additionally provide higher face worths, as much as $40,000, and others will permit far better survivor benefit conditions by boosting the rates of interest with the return of costs or reducing the number of years till a full survivor benefit is offered