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On top of that, clients for this sort of strategy can have extreme legal or criminal backgrounds. It's crucial to note that different carriers offer a variety of concern ages on their ensured issue plans as reduced as age 40 or as high as age 80 - national burial plan. Some will also provide higher face worths, up to $40,000, and others will permit for much better death advantage conditions by enhancing the interest rate with the return of premium or lessening the variety of years until a complete death benefit is available