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On top of that, clients for this sort of plan might have severe legal or criminal histories. It's essential to note that various service providers use a variety of issue ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - funeral insurance for over 65. Some will also offer greater face worths, approximately $40,000, and others will certainly permit much better survivor benefit problems by improving the rate of interest with the return of costs or decreasing the number of years until a complete survivor benefit is available