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On top of that, customers for this kind of plan could have serious lawful or criminal backgrounds. It is very important to note that different service providers use a variety of problem ages on their ensured problem plans as low as age 40 or as high as age 80 - how to sell final expense life insurance. Some will certainly also offer greater stated value, approximately $40,000, and others will enable for much better survivor benefit problems by enhancing the rate of interest with the return of premium or lessening the variety of years till a complete death advantage is offered