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In enhancement, customers for this kind of strategy could have serious legal or criminal histories. It is necessary to note that various carriers offer a series of concern ages on their ensured issue plans as low as age 40 or as high as age 80 - insurance final expense. Some will additionally provide greater face worths, up to $40,000, and others will permit far better survivor benefit problems by boosting the interest price with the return of costs or decreasing the number of years until a full death benefit is readily available