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Additionally, clients for this kind of plan can have severe lawful or criminal histories. It is necessary to note that various carriers supply a series of issue ages on their guaranteed problem plans as low as age 40 or as high as age 80 - best states to sell final expense over the phone. Some will also offer higher stated value, up to $40,000, and others will certainly permit far better fatality advantage problems by enhancing the passion rate with the return of premium or reducing the variety of years until a full fatality benefit is readily available