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Furthermore, clients for this kind of plan can have serious lawful or criminal backgrounds. It is necessary to keep in mind that various carriers offer a series of problem ages on their ensured issue policies as low as age 40 or as high as age 80 - final expense insurance reviews. Some will also provide higher stated value, as much as $40,000, and others will enable for much better death advantage problems by enhancing the rates of interest with the return of premium or reducing the variety of years until a full survivor benefit is readily available