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Furthermore, clients for this kind of strategy could have serious legal or criminal histories. It is essential to note that various providers offer a series of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - pros and cons of final expense insurance. Some will additionally supply higher face values, as much as $40,000, and others will certainly permit for better survivor benefit problems by boosting the rate of interest with the return of premium or minimizing the number of years until a full death benefit is readily available