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Additionally, customers for this kind of plan could have serious legal or criminal backgrounds. It's essential to note that various providers use a range of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - what is final expense insurance. Some will likewise provide greater stated value, approximately $40,000, and others will allow for far better fatality advantage problems by enhancing the rate of interest with the return of premium or decreasing the variety of years till a full survivor benefit is available