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On top of that, clients for this kind of plan could have severe legal or criminal histories. It's essential to note that various providers offer a variety of problem ages on their ensured concern plans as low as age 40 or as high as age 80 - final expense benefits are now available. Some will likewise use greater stated value, approximately $40,000, and others will permit far better survivor benefit problems by enhancing the interest rate with the return of premium or minimizing the number of years up until a full fatality benefit is available