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In addition, clients for this sort of strategy could have severe legal or criminal backgrounds. It is essential to note that various providers supply a variety of problem ages on their assured problem plans as reduced as age 40 or as high as age 80 - final expenses for seniors. Some will also provide greater face values, approximately $40,000, and others will permit much better death benefit conditions by enhancing the rate of interest with the return of premium or decreasing the number of years until a full death advantage is offered