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In addition, customers for this kind of strategy can have serious legal or criminal backgrounds. It is essential to note that different service providers provide a variety of issue ages on their ensured issue policies as reduced as age 40 or as high as age 80 - what is the difference between life insurance and final expense. Some will also provide greater face worths, approximately $40,000, and others will certainly enable much better death advantage conditions by enhancing the rate of interest with the return of costs or reducing the number of years till a full death benefit is available