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In addition, clients for this kind of strategy can have severe legal or criminal histories. It is essential to note that different carriers offer a variety of problem ages on their assured problem policies as reduced as age 40 or as high as age 80 - cremation insurance policy. Some will likewise provide greater stated value, as much as $40,000, and others will certainly permit much better fatality benefit problems by improving the passion price with the return of premium or minimizing the number of years until a complete fatality benefit is available