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Furthermore, customers for this sort of plan might have extreme lawful or criminal histories. It is necessary to keep in mind that various carriers provide a series of problem ages on their ensured issue plans as low as age 40 or as high as age 80 - final expense insurance rates. Some will additionally supply higher stated value, as much as $40,000, and others will certainly enable much better survivor benefit problems by enhancing the rates of interest with the return of premium or decreasing the variety of years until a complete survivor benefit is readily available