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In addition, customers for this kind of strategy can have extreme legal or criminal histories. It is very important to note that various carriers use a series of issue ages on their assured concern policies as low as age 40 or as high as age 80 - final arrangements insurance. Some will additionally supply greater face values, up to $40,000, and others will permit far better survivor benefit conditions by enhancing the rates of interest with the return of costs or minimizing the number of years up until a complete death advantage is offered