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In addition, clients for this kind of plan could have severe legal or criminal histories. It is very important to note that various providers provide a range of issue ages on their ensured concern policies as reduced as age 40 or as high as age 80 - senior final expense plan. Some will additionally supply higher stated value, approximately $40,000, and others will certainly enable for better death advantage conditions by enhancing the rate of interest rate with the return of premium or lessening the variety of years until a complete death advantage is offered