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Additionally, clients for this kind of plan could have extreme legal or criminal backgrounds. It is very important to note that various carriers offer a variety of problem ages on their ensured issue plans as reduced as age 40 or as high as age 80 - cheapest final expense insurance. Some will additionally supply greater stated value, approximately $40,000, and others will allow for much better survivor benefit conditions by boosting the rate of interest with the return of premium or decreasing the number of years up until a complete survivor benefit is readily available