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In addition, clients for this type of plan might have severe lawful or criminal backgrounds. It is very important to note that different carriers offer a variety of concern ages on their guaranteed problem policies as low as age 40 or as high as age 80 - mutual of omaha final expense. Some will additionally use greater face worths, as much as $40,000, and others will permit better death benefit conditions by boosting the rate of interest with the return of costs or reducing the variety of years until a complete survivor benefit is readily available