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Furthermore, customers for this kind of strategy might have severe lawful or criminal backgrounds. It is necessary to keep in mind that different providers use an array of issue ages on their assured issue plans as low as age 40 or as high as age 80 - difference between pre need and life insurance. Some will also use higher stated value, approximately $40,000, and others will certainly permit better survivor benefit problems by improving the rate of interest with the return of costs or lessening the variety of years until a full survivor benefit is available