3.0/5
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.

Score Breakdown
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:

  • 5
    0-5% more expensive
  • 4
    6-10% more expensive
  • 3
    11-20% more expensive
  • 2
    21-30% more expensive
  • 1
    ≥ 40% more expensive
5.0
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.

  • 5
    Most applicants qualify
  • 4
    Fairly easy qualification
  • 3
    Somewhat difficult qualification
  • 2
    Very difficult qualification
  • 1
    No-waiting-period coverage unavailableNo-waiting-period unavailable
4.0
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:

  • 5
    A rating
  • 4
    B rating
  • 3
    C rating
  • 2
    D rating
  • 1
    F rating or Not Rated
1.0
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:

  • 5
    7 questions passed
  • 4
    5-6 questions passed
  • 3
    3-4 questions passed
  • 2
    2 questions passed
  • 1
    0-1 questions passed
2.0
Our Verdict

Open Care Seniors is a genuine 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.

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

  • It’s unknown which companies they represent.
  • The prices on their website are deliberately deceptive.
  • The states in which they are licensed are 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.

Pros

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

Cons

  • Highly misleading prices on their website.
  • There is a severe need for more transparency about the company, including its license numbers, the states it serves, and company leadership.
  • It’s unknown which insurance companies they represent exactly.

BBB
0/5
0 reviews
Trustpilot
0/5
0 reviews
0/5
0 reviews
Yelp
0/5
0 reviews
Ratings valid as of 06/11/2025.
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

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. Instead, it is a broker that represents various funeral insurance companies.

They offer a range of life insurance options, including final expense plans, accidental death insurance, and healthcare products such as long-term care and Medicare-related services.

 

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 per month.

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 06/11/2025.
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 06/11/2025.

 

How Do Open Care Life 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 with coverage of up to $50,000 without needing a medical exam.

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.

Open Care 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 looks pretty 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 the amount of coverage you purchase.

 

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 terms like “senior life insurance” to describe products designed for seniors or “mortgage protection” to describe life insurance that pays off a mortgage balance.

 

Term life insurance

Open Care also offers term life insurance policies with coverage options ranging from $25,000 to $1,000,000 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 the term length for which you can qualify. For example, a 60-year-old will not be eligible for a 30-year term.

Additionally, their term life plan requires underwriting, so your health history determines your eligibility (note that there is no guaranteed acceptance for term life).

 

Which Insurance Companies Does Open Care Offer?

Open Care Seniors is an agency similar to Family First Life, representing 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. That is great because Mutual of Omaha is one of the nation’s top final expense insurance companies because they usually have the lowest rates.

Aside from Mutual of Omaha, the other companies they represent are entirely unknown.

 

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 such as Google, Facebook, Trustpilot, Reddit, Quora, and Yelp have no consumer reviews about the business.

 

Frequently Asked Questions

Open Care is a legitimately licensed insurance agency authorized to sell insurance. Although their advertisements are grossly misleading, there is no reason to suspect that 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 of 18 and 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.

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. Additionally, its maximum coverage amount is $50,000, which is much higher than most other providers.

Anthony Martin
Anthony Martin
Choice Mutual CEO
Author
  • Nationally licensed life insurance agent with over 15 years of experience
  • Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.

Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 19 years of experience
  • Best selling Amazon author.

Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.

David Duford
David Duford
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 14 years of experience
  • Best selling Amazon author of five insurance sales books.

David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 19 years of experience
  • Best selling Amazon author.

Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.

David Duford
David Duford
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 14 years of experience
  • Best selling Amazon author of five insurance sales books.

David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.

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/
Article Published
4 years ago
Article History Added
2 months ago
History feature implemented
major Update
Article date updated
12 days ago
Updated the company data used for the formulas that determine the various scores, and refined all the textual content.