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On top of that, customers for this sort of plan might have extreme legal or criminal backgrounds. It is very important to keep in mind that different carriers use a variety of problem ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - final expense insurance no medical questions. Some will likewise supply higher face values, up to $40,000, and others will certainly enable better death advantage problems by enhancing the interest rate with the return of premium or lessening the variety of years till a complete survivor benefit is available