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Additionally, clients for this kind of plan can have severe lawful or criminal histories. It's vital to keep in mind that various service providers offer a variety of concern ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - final expense protection plan. Some will likewise provide higher stated value, approximately $40,000, and others will enable better death benefit conditions by improving the rate of interest with the return of costs or lessening the number of years till a full survivor benefit is readily available