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Additionally, clients for this sort of plan could have severe legal or criminal backgrounds. It is essential to note that various carriers provide a range of concern ages on their ensured concern policies as reduced as age 40 or as high as age 80 - average cost of final expenses. Some will certainly additionally supply higher stated value, approximately $40,000, and others will allow for better survivor benefit problems by enhancing the interest price with the return of premium or decreasing the number of years till a full survivor benefit is offered