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In addition, customers for this kind of plan could have severe legal or criminal histories. It's essential to keep in mind that various carriers use a variety of problem ages on their guaranteed issue policies as low as age 40 or as high as age 80 - best final expense companies to work for. Some will additionally provide greater face values, as much as $40,000, and others will enable much better fatality advantage conditions by boosting the rate of interest with the return of costs or decreasing the number of years till a complete death benefit is offered