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Furthermore, customers for this kind of plan might have severe legal or criminal histories. It is very important to keep in mind that different carriers use a range of concern ages on their guaranteed concern plans as low as age 40 or as high as age 80 - senior final expense life insurance program. Some will also provide higher face worths, approximately $40,000, and others will permit much better death advantage conditions by boosting the rates of interest with the return of premium or reducing the number of years until a full survivor benefit is offered