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On top of that, clients for this kind of plan could have extreme legal or criminal backgrounds. It is necessary to note that various carriers use a series of concern ages on their ensured problem plans as low as age 40 or as high as age 80 - final expenses benefit. Some will certainly also offer greater face values, approximately $40,000, and others will permit better survivor benefit problems by enhancing the rate of interest price with the return of premium or decreasing the number of years till a complete survivor benefit is readily available