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Additionally, clients for this type of plan might have extreme legal or criminal backgrounds. It is necessary to keep in mind that various providers use an array of problem ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - sell final expense by phone. Some will certainly also supply higher stated value, up to $40,000, and others will enable much better death advantage problems by boosting the rates of interest with the return of premium or reducing the number of years till a full survivor benefit is readily available