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Additionally, clients for this kind of plan might have extreme legal or criminal backgrounds. It's crucial to keep in mind that different providers supply a variety of issue ages on their assured problem policies as reduced as age 40 or as high as age 80 - final express direct. Some will certainly also use higher face values, as much as $40,000, and others will enable far better survivor benefit problems by enhancing the interest rate with the return of premium or minimizing the number of years until a complete death benefit is available