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Furthermore, clients for this type of strategy could have serious legal or criminal histories. It is necessary to note that various carriers offer a variety of issue ages on their ensured issue plans as low as age 40 or as high as age 80 - final expense insurance rates. Some will certainly additionally supply greater face worths, up to $40,000, and others will enable for better death advantage problems by boosting the rate of interest with the return of premium or reducing the number of years up until a complete survivor benefit is available