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In enhancement, customers for this kind of strategy might have extreme legal or criminal histories. It's essential to keep in mind that various carriers offer a series of problem ages on their ensured concern policies as low as age 40 or as high as age 80 - best insurance for final expenses. Some will certainly also use greater stated value, as much as $40,000, and others will certainly allow for far better survivor benefit problems by improving the rate of interest with the return of costs or reducing the variety of years until a full survivor benefit is available