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Additionally, clients for this kind of plan might have severe legal or criminal backgrounds. It's important to keep in mind that various carriers offer a series of issue ages on their guaranteed issue plans as low as age 40 or as high as age 80 - final expenses insurance for seniors. Some will certainly likewise offer higher face values, as much as $40,000, and others will certainly enable far better survivor benefit problems by improving the rate of interest with the return of premium or decreasing the variety of years until a complete fatality benefit is offered