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On top of that, clients for this kind of plan can have severe legal or criminal backgrounds. It is very important to note that various carriers supply a variety of issue ages on their guaranteed concern policies as low as age 40 or as high as age 80 - final expense by phone. Some will also provide greater stated value, approximately $40,000, and others will permit for far better survivor benefit problems by improving the rate of interest with the return of costs or lessening the variety of years till a complete survivor benefit is offered