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Furthermore, clients for this type of plan could have serious legal or criminal backgrounds. It is very important to keep in mind that various providers offer a series of issue ages on their assured issue plans as reduced as age 40 or as high as age 80 - funeral insurance definition. Some will also provide greater stated value, as much as $40,000, and others will permit much better survivor benefit problems by improving the rates of interest with the return of costs or minimizing the number of years up until a full survivor benefit is offered