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On top of that, clients for this sort of plan can have serious legal or criminal histories. It's crucial to note that different service providers provide an array of concern ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - final expense agent. Some will additionally use higher stated value, up to $40,000, and others will certainly enable better death advantage conditions by enhancing the rates of interest with the return of premium or lessening the number of years until a complete fatality benefit is readily available