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In addition, clients for this sort of strategy can have serious legal or criminal histories. It is necessary to note that various carriers supply a variety of concern ages on their guaranteed issue policies as low as age 40 or as high as age 80 - final expense insurance careers. Some will certainly also offer higher face worths, approximately $40,000, and others will certainly allow for better survivor benefit problems by boosting the rates of interest with the return of premium or lessening the variety of years until a complete survivor benefit is readily available