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Additionally, customers for this sort of plan could have extreme legal or criminal histories. It's crucial to keep in mind that various carriers offer a variety of problem ages on their assured issue plans as low as age 40 or as high as age 80 - final expense insurance impaired risk. Some will also use greater stated value, up to $40,000, and others will permit for far better death advantage problems by enhancing the rate of interest rate with the return of costs or decreasing the number of years until a full survivor benefit is available