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Furthermore, clients for this sort of strategy could have serious legal or criminal histories. It is very important to keep in mind that different carriers provide an array of concern ages on their guaranteed problem policies as reduced as age 40 or as high as age 80 - final expense insurance agent. Some will additionally supply higher stated value, approximately $40,000, and others will permit much better fatality advantage problems by improving the interest rate with the return of premium or decreasing the number of years up until a full survivor benefit is available