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Additionally, customers for this kind of strategy might have extreme legal or criminal histories. It is essential to note that different carriers use a series of problem ages on their guaranteed issue plans as low as age 40 or as high as age 80 - final expense policy. Some will certainly also use higher face worths, as much as $40,000, and others will certainly permit far better survivor benefit problems by enhancing the interest price with the return of costs or decreasing the number of years till a full survivor benefit is readily available