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In addition, customers for this type of plan could have serious lawful or criminal backgrounds. It's crucial to note that various carriers offer a variety of problem ages on their ensured problem policies as low as age 40 or as high as age 80 - open care final expense coverage. Some will certainly additionally use higher stated value, as much as $40,000, and others will permit for far better fatality advantage problems by boosting the passion rate with the return of premium or decreasing the variety of years till a full survivor benefit is available