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Furthermore, clients for this kind of plan could have severe legal or criminal backgrounds. It's vital to note that various carriers offer a series of concern ages on their guaranteed problem plans as reduced as age 40 or as high as age 80 - best final expense insurance for seniors. Some will additionally supply higher stated value, approximately $40,000, and others will enable far better fatality benefit conditions by improving the passion rate with the return of costs or reducing the variety of years until a complete survivor benefit is readily available