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On top of that, customers for this kind of strategy could have serious lawful or criminal histories. It is necessary to keep in mind that different carriers provide an array of problem ages on their ensured problem policies as reduced as age 40 or as high as age 80 - final expense costs. Some will likewise use higher face worths, as much as $40,000, and others will enable far better survivor benefit conditions by improving the rate of interest with the return of premium or lessening the number of years until a complete death benefit is available