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Additionally, customers for this kind of plan might have serious legal or criminal backgrounds. It is essential to note that different providers use a variety of problem ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - what is final expense life insurance. Some will certainly also offer greater face worths, up to $40,000, and others will certainly enable much better survivor benefit conditions by improving the rates of interest with the return of premium or minimizing the variety of years up until a complete fatality benefit is available