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Furthermore, clients for this sort of strategy can have severe legal or criminal backgrounds. It is necessary to note that various carriers offer a series of concern ages on their guaranteed issue plans as low as age 40 or as high as age 80 - final expense insurance no waiting period. Some will certainly likewise offer greater stated value, approximately $40,000, and others will permit much better death advantage conditions by boosting the rate of interest with the return of costs or reducing the variety of years up until a complete death benefit is available