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On top of that, clients for this kind of strategy can have extreme lawful or criminal histories. It is essential to note that various service providers provide a variety of problem ages on their ensured issue policies as low as age 40 or as high as age 80 - top final expense agencies. Some will certainly also supply greater stated value, up to $40,000, and others will certainly permit much better survivor benefit conditions by boosting the rate of interest with the return of costs or reducing the number of years until a full survivor benefit is readily available