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On top of that, clients for this kind of strategy can have serious lawful or criminal backgrounds. It is very important to note that different providers provide a variety of problem ages on their guaranteed problem policies as low as age 40 or as high as age 80 - best final expense insurance companies to sell for. Some will also offer higher stated value, as much as $40,000, and others will certainly enable much better survivor benefit conditions by improving the rates of interest with the return of costs or reducing the number of years till a complete survivor benefit is offered