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Additionally, clients for this kind of strategy might have serious legal or criminal histories. It is essential to note that various carriers supply a range of concern ages on their ensured problem policies as reduced as age 40 or as high as age 80 - mutual burial. Some will additionally provide higher stated value, up to $40,000, and others will enable far better fatality advantage conditions by boosting the passion price with the return of premium or reducing the number of years till a complete survivor benefit is available