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In addition, clients for this kind of plan can have extreme legal or criminal histories. It is very important to keep in mind that various carriers use an array of problem ages on their guaranteed concern plans as reduced as age 40 or as high as age 80 - final expense benefit. Some will certainly additionally provide greater stated value, up to $40,000, and others will permit much better survivor benefit conditions by enhancing the interest rate with the return of costs or minimizing the variety of years up until a full survivor benefit is available