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On top of that, clients for this kind of plan could have extreme legal or criminal histories. It is essential to keep in mind that different providers offer a series of problem ages on their guaranteed issue plans as reduced as age 40 or as high as age 80 - average cost of final expenses. Some will certainly likewise supply greater stated value, up to $40,000, and others will permit better death advantage problems by improving the rate of interest rate with the return of premium or lessening the number of years until a full fatality advantage is offered