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On top of that, customers for this sort of strategy might have serious legal or criminal backgrounds. It is necessary to keep in mind that different service providers offer a series of concern ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - final expense risk insurance. Some will also use greater stated value, as much as $40,000, and others will enable better survivor benefit problems by enhancing the rate of interest with the return of costs or lessening the number of years until a complete death advantage is readily available