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On top of that, clients for this sort of strategy might have severe legal or criminal histories. It is necessary to note that various carriers use a variety of concern ages on their ensured problem policies as reduced as age 40 or as high as age 80 - final expense department. Some will certainly also use higher stated value, up to $40,000, and others will certainly permit far better fatality benefit problems by improving the rate of interest with the return of costs or minimizing the number of years till a complete death advantage is available