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Additionally, clients for this kind of plan can have serious legal or criminal histories. It is essential to note that different providers supply an array of problem ages on their assured issue policies as low as age 40 or as high as age 80 - what is final expense life insurance. Some will also use greater stated value, as much as $40,000, and others will certainly permit far better death advantage problems by improving the interest price with the return of costs or lessening the variety of years till a complete survivor benefit is readily available