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In enhancement, clients for this kind of strategy might have extreme legal or criminal histories. It is essential to note that various carriers provide a series of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - final expense planning group. Some will certainly also offer higher face values, approximately $40,000, and others will certainly permit for much better fatality advantage conditions by boosting the interest price with the return of costs or decreasing the variety of years up until a full survivor benefit is available