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Additionally, clients for this sort of strategy might have severe legal or criminal histories. It is necessary to note that different carriers provide an array of concern ages on their guaranteed concern plans as reduced as age 40 or as high as age 80 - new york life final expense. Some will likewise supply higher stated value, up to $40,000, and others will permit much better fatality advantage conditions by enhancing the rate of interest with the return of premium or decreasing the number of years till a complete fatality advantage is available