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In addition, customers for this type of plan could have serious legal or criminal histories. It is very important to keep in mind that different carriers provide a variety of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - final expense insurance plan. Some will likewise provide higher face worths, approximately $40,000, and others will permit for much better fatality advantage conditions by boosting the rate of interest with the return of costs or reducing the variety of years up until a full survivor benefit is offered