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Then you haven't called enough. I remember asking and being told no. I recall Royal Neighbors say no when I asked. It has been a while, so I may be remembering the wrong company.
As you said, the extra payments is usually what stops it anyway.
I've probably done a handful ever. And I'm sure there are more than a handful of companies out there.
The further a company is from the preneed biz the less likely they run into much backdating. A lot of FE companies come from preneed. But I could see where traditional life companies might balk.