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Additionally, clients for this type of plan might have serious legal or criminal backgrounds. It is essential to note that various service providers offer a variety of issue ages on their assured problem policies as reduced as age 40 or as high as age 80 - final expense insurance vs. life insurance. Some will additionally use higher face worths, up to $40,000, and others will certainly permit for better death advantage conditions by boosting the rate of interest with the return of premium or minimizing the number of years until a full fatality benefit is offered