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On top of that, clients for this sort of plan could have severe legal or criminal histories. It is very important to keep in mind that different carriers use a variety of problem ages on their ensured problem policies as low as age 40 or as high as age 80 - final cost life insurance. Some will also offer greater stated value, as much as $40,000, and others will enable far better survivor benefit conditions by enhancing the rate of interest price with the return of premium or reducing the number of years till a complete survivor benefit is readily available