Choice Mutual Rating

Choice Mutual's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

The Open Care Senior Plan advertisements seem like a great deal.

But when you read the fine print, you quickly learn that the prices they promote are unrealistic for most people.

In this Open Care final expense plan review, you will learn who they are, if they’re trustworthy, how their plans work, the actual cost, and much more.


Who Is Open Care Seniors?

Open Care Seniors is an independent insurance agency based out of Naples, Florida.

Final expense life insurance is the primary product they sell.

They also sell term life insurance, accidental death, long-term care, and Medicare-related products.

They run national TV commercials that claim you’re eligible for $30,000 in final expense coverage.

Their website highlights amazingly low prices, such as “rates start at $7.49 per month”.

Like the Colonial Penn $9.95 plan, you should not take those quotes 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.

If you read 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.


How Do Open Care Final Expense Plans Work?

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

It’s a whole life insurance policy where prices stay the same, and coverage does not decrease.

Additionally, the policy will never expire, and it builds cash value.

The payout from the policy is meant to cover funeral costs and other end-of-life expenses.

The insurance provider will give your loved ones a tax-free cash payment when you die.

There are no restrictions on how your beneficiaries spend that money.

They have two options to choose from:

  • Guaranteed acceptance: You are not required to answer health questions. Everyone, regardless of health, is guaranteed approval.
  • Simplified issue: No exam is required, but there are medical questions. Eligibility is based on your past and current health conditions.

The guaranteed issue plans have a waiting period of two years. The insurance company will not pay out a death benefit during the waiting period.

If you die in the first two years, they would only refund your premiums plus interest (interest is on your premiums, not the death benefit).

The other plan with health questions has no waiting period. With that option, the insurance providers would pay the full coverage amount, even if you die the next day.


What Is The Open Care Senior Plan?

The Open Care “Senior Care Plan” is just a marketing expression.

It’s similar to how insurance carriers often use “senior life insurance” to describe insurance products seniors typically buy.

So when Open Care uses this phrase, they are simply referring to their final expense whole life insurance.

It’s a permanent policy that lasts forever, has fixed insurance rates, and a death benefit guaranteed never to decrease.

It provides lasting peace of mind knowing that your funeral expenses won’t become a burden to your family.


Term Life Insurance Option

Open Care also has a term life insurance policy in amounts of $25,000-$500,000 for adults aged 18-75.

This type of life insurance will expire after some years.

This life insurance coverage will expire after 10, 20, or 30 years, unlike their funeral insurance plan.

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).


How Much Do Open Care Life Insurance Plans Cost?

Per their website, they claim $8,000 in coverage will cost $17-$252 per month. Your exact rate depends on your age, health, and the amount of coverage you buy.

As a general rule, the cost of final expense coverage typically ranges from $50-$100 per month for a $10,000 whole life policy.

Below is a table taken from their website that shows how much Open Care burial insurance plans cost.

Health issues such as COPD, diabetes, or other chronic conditions will likely make you ineligible for these prices.


AGEFemale Non SmokerMale Non SmokerFemale SmokerMale Smoker
Monthly rates shown are for $8,000 in coverage for the Opencare Senior Plan


Is Open Care Legit?

First, their website could be much better. They have no licensing information or anything about the company’s history.

Nor do they have a toll-free phone number.

They appear to be legitimately licensed to offer insurance services in Florida.

It’s unknown if they are authorized to sell life insurance products in other states.


The Fine Print

The only fine print policyholders need to know about is the waiting period.

Open Care frequently and prominently advertises how your acceptance is guaranteed.

That is true for people 85 and younger.

However, all guaranteed acceptance plans have a 2-year waiting period.

That is neither bad nor unique to the Open Care senior plan.

All life insurance companies that sell guaranteed issue life insurance have a waiting period.


Which Insurance Companies Does Open Care Offer?

Open Care is an agency like Family First Life or Assurance.

Their insurance agents represent multiple funeral insurance companies on your behalf which is excellent.

Their TV commercials do not mention which final expense companies they represent, nor does their website.

However, the application on their website is Mutual of Omaha’s final expense insurance.

Other than Mutual of Omaha, it’s completely unknown which other companies they represent.


Should You Buy From Them?

There isn’t anything negative about Open Care on the internet, so there is no reason to believe they are untrustworthy.

However, they should clarify which insurance companies they represent and how many.

When buying burial insurance coverage, you must compare offers from multiple providers to ensure you get the best deal for yourself and your family.

It’s unknown if Open Care can do that.

If you want a second opinion, give Choice Mutual a chance to earn your business.

We’re an independent agency specializing in final expense insurance to cover cremation and burial expenses.

We work with over 15 companies to find you the lowest rates.

Call us at 1-800-644-2926 or use the quoting tool on this page to get started.

Our quoting software will show you insurance quotes from nearly every provider in your state.


The Bottom Line

2.5/5 rating
Open Care earned 2.5 stars out of 5 for overall performance. Choice Mutual’s ratings are determined by our editorial team. The scoring formula considers consumer experience, complaint data from the National Association of Insurance Commissioners, and financial strength ratings.

Learn about our rating methodology.

Policy rates relative to other carriers
Financial Strength
Credit ratings from A.M. Best
Customer Reviews
Consumer feedback from third-party websites like Facebook, Yelp, and Trustpilot
NAIC Complaint Ratio
Up-to-date complaint score from the National Association of Insurance Commissioners
Advertising Practices
Accuracy and trustworthiness of marketing
Available Products
Number of policy types, including no-exam options