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In addition, clients for this kind of strategy might have extreme legal or criminal backgrounds. It is very important to note that different providers supply a range of issue ages on their ensured concern policies as low as age 40 or as high as age 80 - final expenses insurance companies. Some will certainly also supply higher face values, approximately $40,000, and others will certainly permit much better death advantage conditions by improving the rates of interest with the return of premium or minimizing the variety of years until a full survivor benefit is available