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Furthermore, customers for this sort of plan can have serious legal or criminal backgrounds. It's important to keep in mind that different carriers offer a series of problem ages on their guaranteed problem policies as low as age 40 or as high as age 80 - affordable final expense insurance. Some will certainly also use greater stated value, as much as $40,000, and others will enable better fatality benefit problems by improving the passion rate with the return of premium or decreasing the variety of years until a full fatality advantage is available