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In addition, clients for this kind of strategy can have severe lawful or criminal backgrounds. It is very important to keep in mind that different carriers supply a series of issue ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - cheapest final expense insurance. Some will also use greater face worths, as much as $40,000, and others will enable much better survivor benefit problems by improving the rates of interest with the return of costs or reducing the variety of years till a complete death advantage is readily available