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Furthermore, customers for this kind of strategy can have serious legal or criminal backgrounds. It is necessary to keep in mind that various carriers provide a variety of problem ages on their guaranteed concern plans as low as age 40 or as high as age 80 - top final expense carriers. Some will certainly also use greater face values, up to $40,000, and others will certainly permit much better survivor benefit problems by improving the interest rate with the return of premium or decreasing the number of years till a complete death benefit is offered