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Additionally, clients for this type of strategy can have serious lawful or criminal histories. It is necessary to note that various carriers provide a variety of issue ages on their assured concern policies as low as age 40 or as high as age 80 - final expense life insurance coverage. Some will likewise provide higher stated value, approximately $40,000, and others will certainly enable better fatality advantage problems by improving the rate of interest with the return of costs or lessening the number of years till a full survivor benefit is available