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Additionally, clients for this kind of plan could have serious lawful or criminal backgrounds. It is essential to note that different providers provide a range of issue ages on their guaranteed issue policies as reduced as age 40 or as high as age 80 - best final expenses insurance. Some will additionally provide greater face worths, as much as $40,000, and others will allow for better survivor benefit conditions by improving the rate of interest with the return of premium or reducing the variety of years up until a full death benefit is offered