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In addition, customers for this kind of strategy might have serious lawful or criminal histories. It is very important to note that various service providers offer a series of problem ages on their ensured issue policies as reduced as age 40 or as high as age 80 - final express direct. Some will certainly additionally use greater face worths, as much as $40,000, and others will certainly permit for better fatality benefit problems by enhancing the rate of interest with the return of premium or reducing the number of years up until a complete survivor benefit is offered