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On top of that, clients for this sort of plan might have serious legal or criminal backgrounds. It is necessary to note that different service providers offer a variety of issue ages on their ensured issue plans as reduced as age 40 or as high as age 80 - best states to sell final expense over the phone. Some will certainly additionally provide higher stated value, as much as $40,000, and others will permit far better survivor benefit problems by enhancing the rate of interest with the return of premium or decreasing the variety of years till a full death advantage is readily available