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In addition, clients for this kind of strategy could have extreme legal or criminal backgrounds. It is very important to keep in mind that different providers offer a series of problem ages on their assured issue plans as low as age 40 or as high as age 80 - what is final expense. Some will additionally supply greater stated value, up to $40,000, and others will certainly enable far better death benefit problems by boosting the rate of interest with the return of premium or minimizing the variety of years until a complete survivor benefit is offered