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On top of that, customers for this kind of plan can have serious legal or criminal backgrounds. It is essential to note that various carriers supply a series of concern ages on their guaranteed concern policies as low as age 40 or as high as age 80 - final expense insurance for seniors over 80. Some will certainly likewise provide higher face values, up to $40,000, and others will certainly permit for much better death benefit conditions by enhancing the interest rate with the return of premium or minimizing the variety of years up until a complete fatality advantage is offered