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On top of that, clients for this type of strategy might have serious legal or criminal histories. It is necessary to keep in mind that various providers offer a range of issue ages on their guaranteed problem plans as low as age 40 or as high as age 80 - final expense pre-existing conditions. Some will certainly likewise offer greater stated value, up to $40,000, and others will certainly permit better survivor benefit conditions by enhancing the rate of interest with the return of premium or decreasing the number of years until a full death advantage is offered