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In addition, clients for this kind of strategy can have serious lawful or criminal histories. It's essential to note that various providers use a series of concern ages on their ensured concern policies as reduced as age 40 or as high as age 80 - final expense program. Some will also provide greater stated value, up to $40,000, and others will permit far better death benefit problems by improving the rates of interest with the return of premium or minimizing the number of years up until a complete death benefit is readily available