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In addition, customers for this kind of plan can have serious lawful or criminal histories. It is very important to note that different service providers offer a variety of concern ages on their guaranteed problem plans as low as age 40 or as high as age 80 - best final expense policies. Some will also use higher stated value, approximately $40,000, and others will certainly enable much better survivor benefit problems by boosting the rates of interest with the return of costs or minimizing the variety of years until a complete fatality advantage is available