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Additionally, clients for this sort of strategy could have serious legal or criminal backgrounds. It is necessary to note that various carriers provide a variety of problem ages on their ensured problem plans as low as age 40 or as high as age 80 - mutual of omaha funeral insurance. Some will additionally offer greater stated value, as much as $40,000, and others will permit for better survivor benefit conditions by boosting the rate of interest price with the return of costs or reducing the number of years until a complete death benefit is offered