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In addition, clients for this kind of plan can have severe legal or criminal histories. It is very important to keep in mind that different service providers use a range of concern ages on their ensured issue plans as low as age 40 or as high as age 80 - final expense insurance in new york. Some will additionally provide higher stated value, as much as $40,000, and others will enable far better survivor benefit problems by boosting the rate of interest price with the return of costs or reducing the number of years till a complete fatality advantage is offered