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Furthermore, clients for this kind of strategy can have severe legal or criminal backgrounds. It is very important to keep in mind that various service providers provide a range of issue ages on their guaranteed issue plans as low as age 40 or as high as age 80 - state farm final expense life insurance. Some will certainly also provide higher face values, approximately $40,000, and others will certainly enable far better survivor benefit problems by enhancing the rate of interest with the return of premium or minimizing the variety of years till a complete survivor benefit is available