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On top of that, clients for this type of strategy can have severe lawful or criminal backgrounds. It is very important to keep in mind that various service providers use a variety of problem ages on their guaranteed problem policies as low as age 40 or as high as age 80 - final expense insurance license. Some will also offer higher face worths, as much as $40,000, and others will enable much better survivor benefit conditions by enhancing the rates of interest with the return of premium or lessening the variety of years till a full fatality benefit is readily available