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Furthermore, clients for this sort of plan might have serious legal or criminal histories. It is necessary to note that different carriers use a variety of problem ages on their assured problem plans as reduced as age 40 or as high as age 80 - final expense insurance program. Some will additionally offer higher stated value, approximately $40,000, and others will enable for better survivor benefit problems by improving the passion price with the return of costs or lessening the variety of years until a complete survivor benefit is available