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Furthermore, clients for this kind of plan can have severe lawful or criminal histories. It is necessary to keep in mind that different carriers offer a variety of issue ages on their assured problem policies as low as age 40 or as high as age 80 - final expense products. Some will likewise provide greater stated value, up to $40,000, and others will permit better survivor benefit problems by enhancing the interest price with the return of costs or reducing the number of years up until a complete fatality advantage is available