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Additionally, clients for this kind of strategy can have severe legal or criminal histories. It's vital to keep in mind that various carriers offer a series of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - 10000 life insurance. Some will also supply higher stated value, as much as $40,000, and others will certainly permit much better survivor benefit conditions by enhancing the rates of interest with the return of costs or lessening the variety of years till a full survivor benefit is readily available