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Additionally, customers for this type of strategy might have extreme legal or criminal histories. It is very important to note that various carriers use a variety of problem ages on their guaranteed problem policies as reduced as age 40 or as high as age 80 - final expenses benefit old mutual. Some will certainly also use higher face values, up to $40,000, and others will permit for better survivor benefit problems by enhancing the rate of interest with the return of costs or minimizing the variety of years up until a complete survivor benefit is readily available