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On top of that, clients for this type of strategy could have extreme legal or criminal histories. It's crucial to note that various providers offer a range of issue ages on their ensured concern plans as reduced as age 40 or as high as age 80 - end of life expense insurance. Some will also use higher stated value, up to $40,000, and others will certainly allow for better survivor benefit conditions by boosting the rate of interest with the return of costs or lessening the variety of years up until a complete survivor benefit is offered