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Additionally, customers for this sort of strategy can have severe lawful or criminal histories. It is necessary to keep in mind that different carriers provide a series of problem ages on their ensured problem policies as low as age 40 or as high as age 80 - final expense insurance plan. Some will additionally supply higher face worths, approximately $40,000, and others will permit for much better survivor benefit conditions by improving the interest price with the return of costs or reducing the number of years up until a full survivor benefit is readily available