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Additionally, clients for this kind of strategy could have severe lawful or criminal backgrounds. It is essential to note that various service providers provide a range of concern ages on their ensured concern plans as reduced as age 40 or as high as age 80 - final expense for seniors. Some will additionally supply higher stated value, approximately $40,000, and others will permit better death advantage problems by improving the rates of interest with the return of costs or decreasing the variety of years until a complete survivor benefit is available