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On top of that, clients for this type of plan can have severe legal or criminal histories. It is necessary to note that various service providers use an array of issue ages on their guaranteed problem policies as low as age 40 or as high as age 80 - funeral plan calculator. Some will likewise offer higher stated value, approximately $40,000, and others will permit for much better fatality benefit problems by boosting the interest price with the return of premium or minimizing the number of years till a full survivor benefit is readily available