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Furthermore, clients for this sort of strategy might have serious lawful or criminal backgrounds. It is essential to note that various carriers use a series of issue ages on their ensured problem policies as low as age 40 or as high as age 80 - cremation policy. Some will certainly also provide higher stated value, as much as $40,000, and others will certainly permit far better survivor benefit conditions by improving the rate of interest with the return of costs or reducing the number of years up until a full death advantage is offered