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In enhancement, customers for this sort of plan might have severe legal or criminal histories. It is essential to keep in mind that different carriers provide an array of issue ages on their guaranteed issue policies as low as age 40 or as high as age 80 - final expense life insurance no medical questions. Some will also supply greater stated value, approximately $40,000, and others will certainly allow for much better survivor benefit conditions by boosting the rate of interest with the return of premium or lessening the number of years till a full fatality advantage is available