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On top of that, customers for this sort of strategy can have severe legal or criminal histories. It is necessary to note that different carriers provide an array of concern ages on their guaranteed problem plans as low as age 40 or as high as age 80 - best final expense companies to work for. Some will certainly additionally offer greater stated value, up to $40,000, and others will permit better death advantage conditions by enhancing the rates of interest with the return of premium or reducing the variety of years till a full survivor benefit is offered