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In enhancement, customers for this kind of plan could have serious legal or criminal backgrounds. It is essential to note that different service providers offer a series of problem ages on their guaranteed problem plans as reduced as age 40 or as high as age 80 - what is a final expense policy. Some will additionally offer greater stated value, as much as $40,000, and others will enable far better death benefit conditions by boosting the rates of interest with the return of costs or lessening the number of years up until a full survivor benefit is available