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Additionally, clients for this kind of strategy can have extreme lawful or criminal histories. It is essential to keep in mind that different providers provide a series of issue ages on their guaranteed issue policies as low as age 40 or as high as age 80 - senior care usa final expense insurance. Some will certainly additionally provide higher stated value, up to $40,000, and others will allow for better death advantage problems by enhancing the passion rate with the return of premium or reducing the number of years until a full survivor benefit is available