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Additionally, customers for this sort of strategy might have serious legal or criminal backgrounds. It is very important to keep in mind that various service providers use a series of problem ages on their guaranteed issue plans as low as age 40 or as high as age 80 - end of life insurance. Some will also supply higher stated value, approximately $40,000, and others will permit better death benefit problems by enhancing the rate of interest with the return of premium or reducing the variety of years till a complete death benefit is readily available