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Open Care Life Insurance Reviews: Senior Plan Not A Reliable Choice

Updated on May 22, 2025• 7 min read

Open Care Life insurance commercials make their coverage options look too good to be true. Claiming to offer rates starting at just $7.49 per month, they appear to be an even better deal than the Colonial Penn 995 plan!

 

However, appearances can be deceiving. Just like Colonial Penn, the Open Care Senior Plan $7.49 per month offer is misleading. You may think their website quotes a competitive rate for benchmark $10,000 final expense coverage, but $7.49 pays for just $2,000 of coverage with Open Care Life Insurance’s partners.

 

Open Care struggles with transparency. It’s hard to tell from first glance that it’s a brokerage that sells from multiple life insurance companies. Unfortunately, Open Care doesn’t share who their partner life insurance companies are. Final Expense Benefits believes this is one of the most important services a life insurance brokerage can provide. 

 

If you don’t know what insurers your brokerage works with, how will you know you’re getting quality rates and coverage? We stand by our life insurance partners and are proud to work with over 20 of America’s top burial insurance providers.

To learn more about your life insurance options, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, or check our free online quoting tool for a personalized pricing estimate.

Open Care Life Insurance History

It’s difficult to find meaningful, official information about Open Care Life Insurance and their history. We know they are a life insurance brokerage agency based in Florida, specializing in final expense insurance. However, they seem to prefer to share information through commercials, rather than through their website.


Their commercials claim they offer “same-day coverage” and “competitive rates”. However, without seeing their partners or a list of rates, it’s hard to validate this statement.

Two senior individuals, possibly colleagues, engaging in a thoughtful conversation in a modern office setting. Their expressions suggest a deep discussion, highlighting professional interaction

 

Like Colonial Penn, Lincoln Heritage, Big Lou, and other unreliable life insurance providers and brokerages, Open Care promises a lot but delivers very little.

 

Like Final Expense Benefits, Open Care is a life insurance brokerage agency and doesn’t underwrite or offer life insurance policies. Agencies should help you shop from different life insurance companies to get the best prices, but Open Care doesn’t back up their low-rate claims with any meaningful information. 

Open Care Life Insurance Plans

Open Care Life Insurance sells policies as the “Open Care Senior Plan”, but this name seems to mostly serve to obscure what plan they connect you to. Unfortunately, you won’t know exactly what policy you’ve signed up for until you ask for information from Open Care or receive your policy.

 

Here are the different plans Open Care Life Insurance offers:

1

Open Care Senior Plan Whole Life Plan

Whole life insurance offers lifetime coverage, as long as premiums are paid. It’s a go-to choice for seniors because rates are locked when the policy starts, cash value can grow over time, and benefit payouts are focused on their needs.

2

Open Care Senior Plan Term Life Insurance

Term life insurance policies don’t offer permanent coverage, only providing payouts if the policyholder dies during a specified time. Terms typically range from 10 to 30 years.

 

Although term life insurance offers large death benefits, it’s not a great choice for seniors. It usually requires near-perfect health for eligibility, making it tough for most seniors to qualify. If seniors qualify for term policies, they typically pay high rates.

 

Asian mature old man sitting on sofa headache at home in living room, Depressed senior man unhappy hands rubbing eye suffering from a migraine. Health care

Seniors risk outliving term life coverage. Terms can be renewed or converted into whole life insurance, but often at a higher rate. Why not start with a quality senior whole life plan instead of wasting time and money with term life insurance?

3

Open Care Senior Plan Burial Insurance

Also called final expense insurance, burial insurance is the best type of whole life insurance for most seniors. Featuring relaxed health requirements set by underwriting, affordable monthly rates, and benefits focused on covering seniors’ needs, burial insurance is a trusted choice for seniors.

 

Benefits for final expense policies typically range from about $2,500 to $50,000 and are usually used to cover funeral costs and other end-of-life expenses. Average funeral costs are around $10,000, so you’d need more coverage than the Open Care $7.49 burial insurance plan offers.

 

Not sure how much coverage you need? Try our free Funeral Cost Calculator, or check our online quoting tool.

4

Open Care Senior Plan Guaranteed Life Insurance

A specialized type of final expense insurance, guaranteed life insurance offers coverage regardless of pre-existing health conditions. Guaranteed plans may be the only choice for seniors with serious health issues like terminal illness, cancer, or dementia but are not ideal for seniors in good health.


Monthly rates for guaranteed plans are about 25% to 40% higher than comparable final expense policies. Guaranteed life insurance death benefits are typically limited to a $30,000 maximum.

Where Does The Open Care Senior Plan Come From?

Despite how the Open Care Senior Plan is advertised, Open Care Life Insurance isn’t an independent insurance agency and doesn’t offer any final expense plans. So whose life insurance are you getting?

 

The only clue is a statement claiming Open Care works with “A-rating carriers across the United States”. It’s hard to trust Open Care’s options when they don’t share partner carriers. 

 

If you don’t know where your policy comes from, you won’t know any policy details like rates, covered conditions, life insurance rider options, and more. Because Open Care Life Insurance hides their carriers, you could easily end up with an expensive plan that provides little coverage.

 

Unlike Open Care Life Insurance, Final Expense Benefits is proud to share our top-rated carriers. We only work with quality life insurers like Mutual of Omaha, Aetna Accendo, and Americo.

 

Open Care Life Insurance allows direct online policy applications that simplify the process, but this puts all the power in Open Care’s hands. Without actively participating in the application process, how do you know you’re getting good coverage and rates? 

 

That’s why it’s wiser to speak with an agent and review your options with them. Final Expense Benefits agents can help you determine how much coverage you need, assess your health needs, and find a great plan that fits your budget.

 

Call Final Expense Benefits at (866) 786-0725 or check our free online quoting tool to start your journey to peace of mind with life insurance.

Open Care Life Insurance Reviews

Unfortunately, Open Care Life Insurance reviews are difficult to find. Most life insurance brokerages have reviews from customers or third-party rating services like the Better Business Bureau, AM Best, and the National Association of Insurance Commissioners, but Open Care Life Insurance reviews either don’t exist or are hidden. 

 

This lack of customer information is concerning; it’s tough to trust a company without any customer feedback. Final Expense Benefits proudly displays our thousands of positive customer reviews, so you know we are a trustworthy source.

Face, depression and alzheimer with a sad old man on a sofa in the living room of his retirement ho.

Open Care Life Insurance Pros & Cons

Pros

  • Same-day coverage
    Open Care advertises policies with first-day coverage, but strict underwriting may mean you need to be in great health to qualify for same-day term or whole life coverage. It’s difficult to tell how strict their carriers’ underwriting processes are.
  • Online quotes and application
    Open Care does share online quotes, but this is a normal service for brokerages. Unlike Open Care, Final Expense Benefits shares where your quotes come from. 
  • Flexible life insurance options
    Open Care offers final expense life insurance, guaranteed acceptance policies, whole life insurance, and term life insurance.

Cons

  • Lack of information and transparency
    It’s tough to find any meaningful information on Open Care’s website. They have no “About Us” page or a list of their insurance partners. They don’t provide much to work with or prove their trustworthiness.
  • Rates aren’t as competitive as they claim
    Open Care states that rates start at $7.49 a month, but it’s only available for a 50-year-old woman seeking $2,000 of coverage, the minimum most final expense policies offer.
  • No information regarding which states they service
    Open Care’s website doesn’t share information about where services are offered or if any states are excluded.
  • Unknown which company will be your provider
    Open Care doesn’t share what companies they partner with, making it tough to tell if you’re getting a good deal using their services. We’re proud to share our providers.

How Much Does Final Expense Insurance Cost?

Unlike Open Care Life Insurance, we’re proud to share our partners and their rates. Below are sample rates for benchmark $10,000 policies from some of our top life insurance companies. These rates are for a non-smoking applicant with no pre-existing medical conditions.

 

Company Male
50y/o
Female
50y/o
Male
60y/o
Female
60y/o
Male
70y/o
Female
70y/o
$34
$27
$50
$40
$70
$56
$31
$26
$43
$35
$71
$53
$31
$24
$44
$33
$75
$53
$34
$29
$45
$35
$79
$59
$33
$26
$48
$36
$82
$58

These rates are estimates only, calculated for $10,000 level-benefit burial insurance with a non-smoking applicant.

If you’re interested in these or any of our other life insurance providers, call Final Expense Benefits at (866) 786-0725

Final Thoughts

It’s difficult to find information about Open Care Life Insurance, seriously hurting their trustworthiness. If a brokerage isn’t transparent about its partner insurers and customer experience, how can you trust that you’re getting the best coverage or rates?

 

Final Expense Benefits works with some of the best burial insurance companies on the market, including:

 

We share our providers to help you make an informed decision and ensure you find the coverage you need. Call us today, and we can help with the stress of finding final expense insurance.


To learn more about your options, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, or check our free online quoting tool for a no-obligation pricing estimate.

FAQ

How are Open Care Life Insurance reviews?

Unfortunately, there are no accessible online reviews for Open Care Life Insurance or the Open Care Senior Plan.

Is Open Care life insurance legit?

Open Care Life Insurance is a legitimate life insurance brokerage, but they don’t share their partner providers, demonstrating a serious lack of transparency.

How does Open Care Insurance work?

Open Care Insurance is a brokerage and doesn’t provide life insurance, instead connecting consumers to the plans their life insurance partners offer. Using a life insurance brokerage is a great way to find quality coverage and low rates. Unfortunately, Open Care may be difficult for seniors to trust, as they don’t share any information about their providers.

What is the age limit for Open Care life insurance?

Open Care advertises final expense policies that range from ages 18 to 90.