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In addition, clients for this type of strategy might have serious lawful or criminal histories. It is necessary to keep in mind that various service providers provide a range of problem ages on their ensured problem policies as reduced as age 40 or as high as age 80 - final expenses insurance for seniors. Some will certainly also offer greater face values, up to $40,000, and others will certainly enable far better fatality advantage conditions by enhancing the rates of interest with the return of premium or decreasing the variety of years until a complete fatality advantage is readily available