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In addition, customers for this sort of strategy can have extreme legal or criminal backgrounds. It is very important to note that different service providers use a variety of problem ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - life insurance and burial insurance. Some will certainly also use greater face worths, approximately $40,000, and others will certainly permit much better survivor benefit problems by improving the interest price with the return of costs or reducing the variety of years up until a complete fatality advantage is offered