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In addition, clients for this sort of strategy could have serious legal or criminal backgrounds. It is essential to keep in mind that various providers use a series of issue ages on their ensured problem policies as reduced as age 40 or as high as age 80 - top 10 final expense insurance companies. Some will additionally supply greater face values, up to $40,000, and others will permit for better survivor benefit conditions by enhancing the rates of interest with the return of costs or minimizing the variety of years till a full death benefit is offered