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In addition, clients for this sort of strategy could have serious lawful or criminal backgrounds. It is essential to keep in mind that different carriers supply a variety of problem ages on their guaranteed concern policies as low as age 40 or as high as age 80 - final expense insurance impaired risk. Some will also use higher stated value, as much as $40,000, and others will certainly permit much better survivor benefit conditions by improving the passion rate with the return of costs or minimizing the number of years until a full survivor benefit is readily available