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On top of that, clients for this sort of strategy can have serious lawful or criminal backgrounds. It is very important to keep in mind that different carriers use a series of concern ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - final expense insurance quote. Some will also offer higher 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 decreasing the variety of years until a complete fatality advantage is readily available