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Additionally, customers for this kind of strategy might have severe lawful or criminal backgrounds. It is essential to keep in mind that different carriers offer a variety of problem ages on their assured problem policies as low as age 40 or as high as age 80 - final expense agents. Some will additionally use greater stated value, up to $40,000, and others will certainly enable for much better survivor benefit problems by enhancing the rates of interest with the return of premium or lessening the number of years until a full fatality advantage is available