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Additionally, clients for this kind of strategy can have serious legal or criminal histories. It is necessary to note that various providers use a variety of issue ages on their guaranteed concern policies as reduced as age 40 or as high as age 80 - final expense insurance texas. Some will certainly likewise use higher face values, as much as $40,000, and others will certainly permit better survivor benefit problems by improving the passion price with the return of premium or minimizing the number of years up until a complete survivor benefit is offered