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On top of that, clients for this sort of plan could have severe lawful or criminal backgrounds. It is necessary to note that different carriers offer a variety of problem ages on their assured problem plans as low as age 40 or as high as age 80 - average final expense cost. Some will also use higher face values, up to $40,000, and others will certainly enable much better death benefit conditions by boosting the rate of interest with the return of premium or reducing the number of years until a full survivor benefit is available