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On top of that, clients for this sort of plan might have severe legal or criminal backgrounds. It is essential to keep in mind that various providers use a range of problem ages on their assured problem policies as low as age 40 or as high as age 80 - the best final expense company. Some will additionally supply greater face values, approximately $40,000, and others will allow for better survivor benefit problems by improving the passion rate with the return of premium or minimizing the variety of years till a full survivor benefit is offered