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In addition, clients for this kind of plan might have extreme legal or criminal backgrounds. It is essential to keep in mind that different providers use a series of issue ages on their ensured concern plans as low as age 40 or as high as age 80 - final expense life insurance agents. Some will certainly additionally use higher stated value, approximately $40,000, and others will permit far better survivor benefit problems by improving the passion rate with the return of costs or lessening the number of years till a full fatality benefit is offered