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Additionally, clients for this kind of plan could have serious lawful or criminal histories. It's crucial to keep in mind that various service providers provide a series of problem ages on their guaranteed problem plans as low as age 40 or as high as age 80 - final expense insurance agents. Some will also offer greater face worths, approximately $40,000, and others will enable much better fatality benefit conditions by enhancing the rates of interest with the return of premium or decreasing the number of years until a complete survivor benefit is offered