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In addition, clients for this kind of strategy can have extreme legal or criminal backgrounds. It is necessary to note that various carriers provide a series of problem 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 also offer higher stated value, up to $40,000, and others will permit much better survivor benefit conditions by improving the rates of interest with the return of premium or reducing the number of years till a complete fatality benefit is readily available