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On top of that, customers for this kind of strategy can have extreme legal or criminal histories. It's crucial to note that various service providers use a variety of problem ages on their ensured problem policies as reduced as age 40 or as high as age 80 - final burial. Some will also supply higher face worths, up to $40,000, and others will certainly enable much better survivor benefit problems by enhancing the rate of interest with the return of premium or decreasing the variety of years up until a full survivor benefit is available