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Furthermore, clients for this kind of strategy could have serious legal or criminal backgrounds. It's vital to keep in mind that various carriers offer an array of issue ages on their assured issue policies as low as age 40 or as high as age 80 - life care final expense insurance. Some will certainly additionally provide higher stated value, up to $40,000, and others will certainly permit for better death advantage conditions by improving the rates of interest with the return of premium or minimizing the variety of years up until a full death advantage is available