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Overall Score

Choice Mutual’s ratings are determined by a review formula that weights the following four factors to determine a score between 0 and 5:

Factor Score Value
Price of Coverage
40%
No-Waiting-Period CoverageNo Waiting Period
20%
Better Business Bureau RatingBBB Rating
20%
Agency Transparency
20%
Overall Maximum
100%

Our ratings are tested with scoring model 1.1, a review formula that ensures consistency and accuracy in our assessments.

3 out of 5
Rating methodology
5.0
Price of Coverage
Price of Coverage
40% of overall score

Using this quote calculator, we compare the price of the insurer’s coverage to competitors with equivalent products. The score they receive is based on how close their price is to those three least expensive providers:

  • 50-5% more expensive
  • 46-10% more expensive
  • 311-20% more expensive
  • 221-30% more expensive
  • 1≥ 40% more expensive
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4.0
No-Waiting-Period CoverageNo Waiting Period
No-Waiting-Period Coverage
20% of overall score

This scoring factor assesses whether an insurer offers coverage with no waiting period and, if so, how difficult it is to qualify for it. If an insurer does not provide coverage with no waiting period, it gets an automatic 1. A score from 2 to 5 indicates that immediate coverage is possible, and the higher the rating, the easier it is for the average applicant to qualify for it.

  • 5Most applicants qualify
  • 4Fairly easy qualification
  • 3Somewhat difficult qualification
  • 2Very difficult qualification
  • 1No-waiting-period coverage unavailable
1.0
BBB Rating
Better Business Bureau Rating
20% of overall score

The BBB rating is based on information the Better Business Bureau is able to obtain about the business, including complaints received from the public. Our scores are based on the rating that BBB assigns to the business:

  • 5A rating
  • 4B rating
  • 3C rating
  • 2D rating
  • 1F rating or Not Rated
2.0
Agency Transparency
Agency Transparency
20% of overall score

The agency transparency score measures how well an insurance broker reveals critical business information to the public. We conduct extensive online research to answer 7 objective questions and assign a pass or fail result, which corresponds to the following scores:

  • 57 questions passed
  • 45-6 questions passed
  • 33-4 questions passed
  • 22 questions passed
  • 10-1 questions passed
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Rating methodology
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Pros

  • They are a broker that can compare multiple companies on your behalf.
  • Offers a variety of life insurance products to suit your needs.
  • An online application to complete most of the process electronically.

Cons

  • Highly misleading prices on their website.
  • Severe need for more transparency about the company, such as their license numbers, states they service, and company leadership.
  • It’s unknown which insurance companies they represent exactly.

Our Verdict

Open Care Seniors is an honest insurance agency that primarily sells final expense whole life insurance. However, the teaser rates on its commercials and website are very misleading and inaccurate for most seniors.

After investigating their website, we found that their primary insurance provider for the final expense policies seems to be Mutual of Omaha (there is no conclusive proof). If so, that is great because Mutual of Omaha is one of the nation’s best final expense insurance companies because they often have the lowest rates. However, it’s uncertain exactly which insurance companies they partner with.

While Open Care is a real company licensed to sell insurance, there are too many red flags to risk buying coverage through them. The red flags include but are not limited to:

  • It’s unknown which companies they represent.
  • The prices on their website are deliberately misleading.
  • Where they are licensed is unknown.
  • There is virtually no direct feedback (good or bad) from their prior customers.

All of these issues render the risk too high. If you need burial insurance so your loved ones aren’t financially burdened by your funeral costs, seek out a company you can trust to a high degree.

BBB
0/5
0 reviews
Trustpilot
0/5
0 reviews
Google
0/5
0 reviews
Yelp
0/5
0 reviews
Ratings valid as of 01/15/2025.
    Policy Type
    Whole Life
    New Applicant Age Range
    45-85
    Death Benefit Options
    $2,000-$50,000
    States Where Available
    All except New York
    Builds Cash Value
    Yes
    Has Health Questions
    Yes
    2-Year Waiting Period
    No
    Medical Exam Required
    No
    Age When Policy Expires
    Never
    Prices Increase
    Never
    Terminall Illness Rider
    Yes
    Policy Type
    Whole Life
    New Applicant Age Range
    45-80
    Death Benefit Options
    $2,000-$20,000
    States Where Available
    All except MT, NC & NY
    Builds Cash Value
    Yes
    Has Health Questions
    Yes
    2-Year Waiting Period
    Yes
    Medical Exam Required
    No
    Age When Policy Expires
    Never
    Prices Increase
    Never
    Terminall Illness Rider
    No
    Open Care Seniors (aka “National Insurance Brokerage”) is an insurance agency in Naples, Florida. They are licensed to sell life and health insurance products. As a broker, they sell insurance for multiple companies, but their website does not clarify which providers they partner with.
    Founding Year
    Unknown
    Official Website
    www.opencareseniors.com
    Headquarters
    4755 9th St N, Naples, FL 34103
    Phone Number
    321-222-9443

     

    Who Is Open Care Seniors, And Are They a Legitimate Company?

    Open Care Seniors is an independent insurance agency based in Naples, Florida. Despite its misleading advertisements, it is a legitimate business duly authorized and licensed to sell insurance. Open Care is not an insurance company. Rather, it is a broker that represents various funeral insurance companies.

    They sell various types of life insurance, final expense plans, accidental death insurance, and healthcare products such as long-term care and Medicare-related products.

     

    How Much Does Open Care Final Expense Insurance Cost?

    Open Care claims their life insurance starts at $7.49 per month. However, that quote refers to $2,000 in coverage for a 50-year-old female in good health who is a non-smoker. They also provide a table of prices showing that $8,000 of final expense insurance will cost $17-$252 monthly.

    AGEFemaleMale
    40$17$19
    50$21$25
    60$29$36
    70$42$60
    80$84$11
    90$205$242
    Source for monthly prices: OpenCareSeniors website. Rates are for $8,000 in coverage and are valid as of 01/15/2025.
    AGEFemaleMale
    40$21$24
    50$27$33
    60$39$51
    70$59$94
    80$102$167
    90$229$252
    Source for monthly prices: OpenCareSeniors website. Rates are for $8,000 in coverage and are valid as of 01/15/2025.

     

    What Are Real-Life Customers Saying About Open Care Seniors?

    Open Care Seniors has absolutely no customer feedback online (neither good nor bad). They are not accredited by the Better Business Bureau, and websites like Google, Facebook, Trustpilot, Reddit, Quora, and Yelp have no consumer reports about the business.

     

    How Do Open Care Insurance Plans Work?

    According to the Open Care website, they primarily offer final expense life insurance, guaranteed acceptance whole life insurance, and term life insurance.

     

    Final expense insurance

    Open Care final expense insurance plans for seniors are available for up to $50,000 in coverage, and no medical exam is required.

    It’s a whole life insurance policy with a fixed premium and lifetime coverage that builds cash value.

    They have two policy types to choose from:

    • Guaranteed acceptance: You are not required to answer health questions. Everyone, regardless of health, is guaranteed approval. However, there is a two-year waiting period. The insurance company will only refund your premiums if the policyholder dies during the first 24 months.
    • Simplified issue: No exam is required, but there are medical questions. Eligibility is based on your past and current health conditions. If you’re approved, there is no waiting period.

    OpenCare runs national TV commercials claiming you’re eligible for up to $30,000 in final expense coverage.

    Their website highlights amazingly low prices, such as “rates start at $7.49 per month.” $7.49 per month seems very cheap, but just like the Colonial Penn $9.95 plan, you should not take that quote seriously.

    You should not in any way expect to pay $7.49 per month for coverage (or any price close to that) if you opt to buy an Open Care life insurance plan. Per the fine print, they disclaim that $7.49 monthly refers to a $2,000 death benefit for a 50-year-old female in good health who does not smoke.

    Remember that final expense prices depend on your date of birth, gender, health, and how much coverage you buy.

     

    Open Care senior plan

    The Open Care “Senior Care Plan” is just a marketing expression referring to their final expense insurance policies. It’s similar to how insurance companies often use “senior life insurance” to describe insurance products designed for seniors or “mortgage protection” to describe life insurance that pays off your mortgage balance.

     

    Term life insurance

    Open Care also offers a term life insurance policy with $25,000-$1,000,000 coverage options for adults aged 18-75. Unlike a whole life policy, this type of life insurance coverage expires after 10, 20, or 30 years.

    Please note that your age determines which term length you can qualify for. For example, a 60-year-old will not be eligible for a 30-year term.

    Also, their term life plan has underwriting, so your health history determines your eligibility (there is no guaranteed acceptance term life).

     

    Which Insurance Companies Does Open Care Offer?

    Open Care is an agency like Family First Life that represents multiple funeral insurance companies on your behalf. However, neither their TV commercials nor their website mentions which final expense companies they represent.

    That being said, the application on their website is for Mutual of Omaha’s final expense insurance. Other than Mutual of Omaha, the other companies they represent are entirely unknown.

     

    Frequently Asked Questions

    Open Care is a legitimately licensed insurance agency authorized to sell insurance. Even though their advertisements are grossly misleading, there is no reason to suspect they are untrustworthy or a scam.

    Open Care Insurance Services can sell a new life policy to anyone 18-90. The homepage of their website has the following quote: “If you are currently between the ages 18 – 90, WE MAY HAVE COVERAGE WITH YOUR NAME ON IT”. Please note that only Open Care final expense plans are available for those above the age of 75. Their term life options have a maximum age limit of 75.

    Final expense insurance is a type of whole life insurance meant to pay for your funeral expenses. It pays out an immediate cash benefit to your beneficiaries, so you can have peace of mind knowing your final costs won’t burden them. There are no restrictions on how the proceeds are spent, and they can keep every leftover funds.

    Overall, Mutual of Omaha Life Insurance Company offers the best final expense policy because its premiums tend to be the lowest, and there is no waiting period. Also, its maximum coverage amount is $50,000, much higher than most other providers. To buy Mutual of Omaha’s policy with no medical exam or waiting period, you’ll need to speak with a licensed agent. Eligibility depends on your health status.

    Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.

    1. Open Care Seniors. https://opencareseniors.com/contact/
    2. Open Care website. https://opencareseniors.com/
    3. Open Care final expense plans. https://opencareseniors.com/sample-rates-for-final-expense-senior-plans/
    4. TV commercials. https://www.ispot.tv/brands/n2x/open-care-insurance-services
    5. Their website. https://opencareseniors.com/final-expense-for-9-95-per-month-or-under-35-cents-per-day/
    6. Senior Care Plan. https://opencareseniors.com/senior-care-plans/
    7. their final expense insurance plan. https://opencareseniors.com/sample-rates-for-final-expense-senior-plans/
    8. their website. https://opencareseniors.com/sample-rates-for-final-expense-senior-plans/
    9. application. https://opencareseniors.com/apply-online/#applyonline
    10. Google. https://www.google.com/maps/place/OpenCare+Senior+Plan/@26.2044865,-81.8006792,15z/data=!4m2!3m1!1s0x0:0x50724596982054ac?sa=X&ved=1t:2428&ictx=111
    11. term life insurance policy. https://opencareseniors.com/term-rates/