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On top of that, clients for this kind of strategy could have serious legal or criminal backgrounds. It's vital to keep in mind that various carriers use a series of concern ages on their ensured problem plans as reduced as age 40 or as high as age 80 - best life insurance for final expenses. Some will also provide higher stated value, as much as $40,000, and others will enable better survivor benefit conditions by improving the rate of interest with the return of premium or reducing the number of years until a full death benefit is available