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Furthermore, customers for this kind of plan can have severe legal or criminal backgrounds. It is very important to note that different providers supply an array of issue ages on their ensured issue policies as low as age 40 or as high as age 80 - new york life final expense insurance. Some will likewise provide higher face values, approximately $40,000, and others will allow for far better death benefit conditions by improving the rate of interest with the return of premium or minimizing the variety of years till a full survivor benefit is available