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On top of that, clients for this sort of strategy might have severe legal or criminal histories. It is essential to keep in mind that various carriers use a series of concern ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - final expense insurance market. Some will also supply higher face worths, approximately $40,000, and others will permit much better survivor benefit conditions by enhancing the interest rate with the return of costs or decreasing the number of years up until a full survivor benefit is available