Request A Free Life Insurance Quote Today!







All rates are subject to underwriting approval. By pressing the "Send Email" button, you agree to Buy Life Insurance For Burial's privacy policy, and consent to a licensed agent of Buy Life Insurance For Burial to contact you at the phone number(s) you provide. We will not share your information with another entity.

Open Care Life Insurance Review | The TRUTH

Learn more about Open Care Life Insurance

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

The Truth Behind Open Care Life Insurance

Most likely, you’re here today reading this article because you’ve seen an advertisement on TV for the Open Care Life Insurance product, and your interests primarily lie in getting burial life insurance protection to take care of any final expenses that may remain after you pass away.

Perhaps, you want to be buried or cremated, or want a loved one like your parent to get life insurance coverage. Either way, you don’t want that final expense left to your loved ones. If this describes you, then you visited the right article.

The purpose of today’s article is to describe how the Open Care Life Insurance product for seniors works and to give you sufficient information to determine if Open Care Life Insurance is right for you.

Specifically, the topics we’ll talk about today include the following:

  • What is Open Care Life Insurance?
  • How does Open Care Life Insurance work?
  • Is this the best deal that you can get?
  • What does the “fine print” say?
  • Why are second opinions and rate chart comparisons important?

What is Open Care Life Insurance?

We here at Buy Life Insurance for Burial aren’t an insurance company. We, instead, operate as a partner with multiple life insurance companies with the goal of shopping for the best price and coverage for our clients.

Our goal is to get our clients the best value in a combination of pricing and coverage. This means we represent multiple life insurance companies and go to work for our clients to help them out the best that we can.

The reason I bring this up is because it’s important to understand that Open Care is not an insurance company. Instead, it operates as an insurance agency.

What’s unclear from the TV ad is whether or not they operate as a captive insurance agency or an independent agency.

Again, the reason this is important is because independent agents can shop around and find you the best combination of pricing and coverage for your unique needs.

Why working with an independent agent is important

Perhaps you have a health ailment, such as chronic obstructive pulmonary disease (COPD), diabetes, or a history of cancer. You may have better options for final expense burial insurance when with an independent agent who has access to potentially better coverage options.

This is in direct opposition to working with a captive insurance agency.

A captive insurance agency typically represents one company and one company alone. That means that their options for coverage are extremely limited.

If you have certain ailments, it’s highly likely that you may not get the best value of coverage.

In many cases, these companies like Colonial Penn and AARP may force you to wait two full years before you have full comprehensive protection for natural and accidental death.

Again, based off of how the advertisement is presented on TV, it is unclear whether or not Open Care is an independent insurance agency. We cannot be sure if you can actually get a competitively-priced, well-shopped premium for your life insurance coverage.

How Does Open Care Life Insurance Work?

Learn how Open Care Insurance Services worksWhat Open Care describes in its advertisements is the concept of “burial insurance.”

Burial insurance is essentially a simplified issue whole life insurance product designed to pay for burial costs. This means there are no exams necessary.

It’s designed to provide:

  1. Permanent protection. This means burial insurance cannot cancel due to age or health. As long as you pay your premiums, you cannot outlive coverage.
  2. No premium increases EVER. The best burial insurance is designed NEVER to have premium increases at any age.
  3. First-day full coverage. As long as you’re medically eligible, burial insurance fully protects you from the first day for both natural and accidental causes of death

Burial insurance is a great selection if you’re in a position of needing coverage to take care of things like your burial, cremation costs, or other final expenses.

Open Care Life Insurance offers between $5,000 to $50,000 in burial insurance protection depending on what your budget is and what you may qualify for.

According to the National Funeral Directors Association, the national median burial cost was approximately $8,700. And with each passing year, burial costs have increased higher than the average inflationary increase on standard, everyday products.

This is important because you need to find coverage that will cover you well above the normal amount that would be required to bury you, including a bit extra to account for inflation purposes, if possible.

Burial insurance is great if you’re looking for final expense protection.

However, if you have other needs, such as taking care of a mortgage payment or possibly leaving a large lump sum death benefit to your family, there may be other products that will help you out further.

Let me explain what those products are that Open Care Life Insurance doesn’t necessarily have to offer.

1. Term insurance

While not normally used to cover final expenses, term life insurance for seniors is a great tool to cover “temporary obligations.”

For example, if you happen to die before a mortgage is paid off, a term life insurance plan does a fantastic job taking care of that obligation.

Same thing with income replacement. If you’re still working and currently hold a job, have you ever wondered what would happen if you pass away?

Your family would be in dire financial strain. While your loss would be tragic, you can prevent financial losses with a cheap term life insurance plan.

Term life insurance plans are available in different lengths and increments, such as 10 years, 20 years, and 30 years.

Advantages of term

The biggest advantage of a term life insurance plan is that the rates are substantially less expensive than what you’d find with a whole life insurance plan for the same amount of coverage.

That doesn’t mean burial insurance is a bad buy.

It just means that based on your goals, you might find that if you want to cover things, such as a mortgage or replacing your income, that term insurance will be a better solution than an Open Care Life Insurance burial program.

Term Life Insurance Rates With Banner Life

This is Banner Life Insurance's Logo.

$100000 Banner Term Insurance Monthly Rate Chart – 10 Year Term

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-smoker
25$17.37$8.49$15.05$6.88
26$17.37$8.49$15.14$6.88
27$17.37$8.49$15.31$6.88
28$17.46$8.49$15.39$6.88
29$17.46$8.49$15.57$6.88
30$17.46$8.49$15.65$6.88
31$18.06$8.54$16.08$6.88
32$18.58$8.59$16.60$6.89
33$19.18$8.60$17.03$7.05
34$19.52$8.60$17.54$7.05
35$19.61$8.60$17.97$7.05
36$20.47$8.77$18.74$7.78
37$21.41$9.03$19.47$8.00
38$22.45$9.29$20.29$8.00
39$23.56$9.47$21.18$8.00
40$24.77$9.63$22.09$8.00
41$26.06$10.04$23.16$9.05
42$27.52$10.43$24.27$9.05
43$29.07$10.86$25.64$9.05
44$30.79$11.20$27.09$9.49
45$32.68$11.20$28.59$9.96
46$34.92$12.35$30.26$10.41
47$37.32$12.95$32.05$10.89
48$40.08$13.59$34.11$11.42
49$43.09$14.28$36.23$12.00
50$45.80$15.03$38.49$12.63
51$49.83$15.99$41.17$13.39
52$54.27$17.03$44.07$14.21
53$58.91$18.18$47.19$15.10
54$64.16$19.44$50.57$16.06
55$70.00$20.81$54.22$17.11
56$75.25$22.51$58.31$18.17
57$81.10$24.40$62.74$19.31
58$90.35$26.48$67.53$21.86
59$98.29$28.79$72.73$23.55
60$106.97$31.35$78.36$25.63
61$116.09$34.73$85.09$27.57
62$126.02$38.55$92.45$29.70
63$131.84$41.84$125.52$41.84
64$143.96$47.02$135.70$46.96
65$157.47$52.58$142.38$46.96
66$173.03$58.54$165.70$58.54
67$190.58$64.77$182.54$64.77
68$210.27$71.47$185.11$68.17
69$232.63$79.03$206.70$75.92
70$257.91$87.54$230.87$75.92
71$286.55$97.78$257.96$94.43
72$319.15$109.31$288.23$103.20
73$356.38$121.19$353.24$121.78
74$398.78$138.03$398.78$132.35
75$447.46$155.59$402.82$145.94

2. Universal life insurance

Universal life insurance works similarly to how one would design a burial insurance plan.

Here at Buy Life Insurance for Burial, we like to use a “guaranteed universal life insurance plan,” also known as a “no lapse insurance.”

The way these plans work is extremely similar to how a burial insurance plan works.

  1. Rates never increase as long as you pay the same premium. You never have to worry about a price increase as long as you continue to pay the initial premium your policy starts with.
  2. Coverage never cancels due to health or age. Guaranteed universal life insurance covers up until 120 years old. Nobody’s ever lived that long, so you can guarantee that it’ll last and pay out no matter when you pass away.
  3. First-day full coverage. If approved, you are fully protected for natural and accidental causes of death, 100% from the first day.

Advantages of guaranteed universal life

Why consider a guaranteed universal life plan over burial insurance?

Because a guaranteed universal life plan for healthy applicants can provide a dramatically higher level of coverage for a much lower level of premium.

In many cases, I’ve seen no-lapse universal life policies cost as much as 50% less than burial insurance.

For example, if it costs $150/month for $25,000 in coverage with a burial insurance plan, then it will cost $75/month for the same amount of coverage with a guaranteed universal life insurance product, assuming you medically qualify.

This difference is massive, not just on your budget, but on how much coverage you could get.

Let’s say you could afford $150/month in this example. It would afford you approximately $50,000 in coverage.

This is double the amount you get for burial. So, why not consider seeing if guaranteed universal life insurance would qualify you for coverage?

Rates for guaranteed universal life insurance with Sagicor Life

Sagicor Life Insurance logo.

$25000 Sagicor Guaranteed Universal Life Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
40$35.54$21.30$30.94$19.07
41$36.89
$21.86$32.04$19.59
42$38.20$22.41$33.13$20.10
43$39.47$22.95$34.19$20.59
44$40.72$23.47$35.23$21.07
45$41.94$23.99$36.25$21.54
46$44.88$25.73$38.49$22.82
47$47.68$27.39$40.64$24.03
48$50.37$28.97$42.71$25.19
49$52.96$30.48$44.71$26.30
50$55.46$31.93$46.64$27.36
51$57.88$32.59$48.51$27.76
52$60.22$33.19$50.33$28.73
53$62.50$34.44$52.10$29.68
54$64.71$35.65$53.83$30.59
55$66.87
$36.82$55.52$31.47
56$72.49$39.88$59.20$34.12
57$77.83$42.77$62.73$36.61
58$82.93$45.53$66.11$38.96
59$87.80$48.16$69.37$41.19
60$92.48$50.67$72.51$43.32
61$96.99$52.08$75.54$43.63
62$101.36$54.35$78.49$45.52
63$105.58$56.54$81.34$45.52
64$109.67$58.65$84.11$49.11
65$113.65$60.69$86.81$50.81
66$123.61$66.43$94.55$55.70
67$133.17$71.88$101.89$60.33
68$142.38$77.09$108.90$64.73
69$151.29$82.07$115.65$68.93
70$159.96$86.85$122.14$72.95
71$168.39$96.29$128.41$79.48
72$176.61$100.89$134.51$83.31
73$184.65$105.34$140.44$87.02
74$192.52$109.65$146.20$90.61
75$200.25$113.82$151.83$94.09
76$237.93$127.96$170.92$104.63
77$274.31$141.81$189.59$114.80
78$309.31$155.32$207.85$124.63
79$390.26$168.54$225.78$134.16
80$574.06$181.36$243.45$143.45
81No Monthly Result$193.86$260.83$152.51
82No Monthly Result$206.05$277.96$161.35
83No Monthly Result$217.89$294.87$170.01
84No Monthly Result$229.41$311.62$178.52
85No Monthly Result$240.62$328.17$186.88

$50000 Sagicor Guaranteed Universal Life Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
40$71.08$42.59$61.87$38.14
41$73.77$43.72$64.08$39.18
42$76.39$44.82$66.25$40.19
43$78.94$45.90$68.37$41.17
44$81.43$46.94$70.46$42.14
45$83.88$47.97$72.50$43.08
46$89.75$51.45$76.98$45.63
47$95.36$54.77$81.28$48.05
48$100.74$57.93$85.42$50.37
49$105.92$60.96$89.41$52.59
50$110.92$63.86$93.28$54.72
51$115.75$65.17$97.02$55.52
52$120.44$66.38$100.66$57.46
53$124.99
$68.88$104.20$59.35
54$129.42$71.29$107.66$61.17
55$133.74$73.63$111.03$62.93
56$144.98$79.75$118.39$68.23
57$155.65$85.54$125.45$73.21
58$165.85$91.06$132.21$77.91
59$175.60$96.31$138.74$82.37
60$184.96$101.33$145.02$86.63
61$193.98$104.15$151.08$87.25
62$202.71$108.69$156.97$91.04
63$211.16$113.07$162.68$94.68
64$219.34$117.29$168.22$98.21
65$227.30$121.37$173.61$101.61
66$247.22$132.85$189.09$111.40
67$266.34$143.76$203.78$120.65
68$284.75$154.17$217.80$129.45
69$302.58$164.13$231.29$137.85
70$319.92$173.69$244.28$145.90
71$336.78$192.57$256.82$158.96
72$336.78$201.77$269.01$166.62
73$369.29 $210.68$280.87$174.03
74$385.04$219.30$292.40$181.21
75$400.49$227.64$303.65$188.18
76$475.85$255.91$341.84$209.25
77$548.61$283.62$379.18$229.59
78$618.61$310.63$415.69$249.25
79$780.01$337.07$451.56$268.32
80$1,147.46$362.72$486.90$286.90
81No monthly Result$387.72$521.66$305.01
82No Monthly Result$412.09$555.91$322.70
83No Monthly Result$435.78$589.74$340.02
84No Monthly Result$458.81$623.24$357.04
85No Monthly Result$481.23$656.34$373.75

$100000 Sagicor Guaranteed Universal Life Monthly Rate Chart

AgeMale, SmokerMale, Non-smokerFemale, SmokerFemale, Non-Smoker
40$119.51$62.85$103.25$53.35
41$124.88$64.92$107.60$55.28
42$130.10$66.93$111.84$57.16
43$135.16$68.89$115.98$58.98
44$140.08$70.81$120.02$60.76
45$144.88$72.67$123.98$62.49
46$155.76$79.21$133.48$67.42
47$166.14$85.39$142.53$72.04
48$176.10$91.27$151.18$76.43
49$185.65$96.87$159.48$80.62
50$194.87$102.23$167.48$84.62
51$203.77$102.58$175.19$86.40
52$212.39$107.33$182.65$90.02
53$220.75$111.90$189.90$93.51
54$228.88$116.31$196.94$96.88
55$236.79$120.58$203.79$100.13
56$258.31$131.48$218.48$109.34
57$278.75$141.80$232.49$117.94
58$298.21$151.62$245.92$126.06
59$316.81$161.00$258.80$133.77
60$334.68$169.96$271.23$141.12
61$351.85$175.12$283.22$142.30
62$368.40$183.24$294.80$148.82
63$384.40$191.06$306.04$155.09
64$399.95$198.61$316.97$161.14
65$415.04$205.90$327.58$166.99
66$452.47$226.90$355.90$191.98
67$488.38$246.84$382.8$214.91
68$522.95$265.85$408.64$236.24
69$556.31$265.85$433.36$256.25
70$588.60$301.44$457.26$275.16
71$620.09$335.48$480.35$303.34
72$650.75$352.30$502.71$320.97
73$680.66$368.50$524.46$337.86
74$709.91$384.15$545.72$354.15
75$738.58$399.32$566.44$369.85
76$869.73$464.00$642.12$412.48
77$996.82$526.55$715.82$453.57
78$1,119.02$586.96$787.74$493.24
79$1,236.88$645.44$858.05$531.65
80$1,350.19$701.80$927.21$569.0
81$1,583.76$756.25$995.19$605.51
82$2,109.54$809.08$1,062.07$641.06
83$2,735.70$860.17$1,127.96$675.85
84$3,482.42$909.63$1,193.07$710.03
85No Monthly Result$957.58$1,257.48$743.57

Is This The Best Deal You Can Get?

Is Open Care Insurance Services the best burial insurance deal you can get?I’ve personally worked with over 3,000 people since 2011 as a licensed life insurance agent.

I urge my clients the importance of working with an independent agent who works to get you the best bottom dollar deal for the burial or life insurance product that you plan to purchase.

What you don’t want to do is get stuck into a life insurance plan that shortchanges you. Only makes sense, right?

Perhaps, you have a health ailment that rates you up to a two-year waiting period policy. This means you receive only a fraction of your coverage if you die from natural causes within the first two years of your policy.

Here’s the truth…

There are many companies that may take you on a first-day full coverage basis.

Who may qualify for first-day full coverage?

For example, we at Buy Life Insurance for Burial commonly get the following ailments first-day full coverage on life insurance:

  • Lung disease (COPD, emphysema, sarcoidosis)
  • Type I/Type II diabetics (using insulin or not)
  • Heart disease history (heart attack, stroke, stent, bypass, aneurysm, pacemaker history)
  • Liver/Kidney Problems (Hepatitis C, kidney insufficiency)
  • Cancer history
  • Mental health history (depression, anxiety, PTSD, bi-polar, schizophrenia)
  • Neurological diseases (Lupus, multiple sclerosis, Parkinson’s)

Hopefully, you can see there is a good chance we may get you better coverage than what you’d find elsewhere.

The potential issues with Open Care Insurance Services

You may be declined for coverage with Open Care Insurance Services.The problem I see as a burial insurance specialist is that Open Care does not reveal exactly which life insurance companies they work with.

It’s unclear, for me, to establish with certainty what your options for coverage would be if you work with them.

They do not disclose which companies they work for. It’s unclear as to what conditions they will cover. They may or may not say that they can cover any condition without evidence of insurability.

That means, worst case scenario, you can get into a guaranteed acceptance life insurance plan. Those plans are great as last-ditch efforts when nothing else works.

However, it’s likely that with limited carrier options, like many insurance agencies have, that you may end up being offered a two-year waiting period product when you could qualify for first-day full coverage.

Check out our rates with Mutual Of Omaha Burial Insurance

This is Mutual Of Omaha's Logo.

$5000 Mutual of Omaha Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale. SmokerFemale, Non-Smoker
45$17.22$14.32$15.67$12.91
46$17.70$14.69$15.99$13.11
47$18.29$15.11$16.37$13.38
48$18.93$15.58$16.74$13.69
49$19.39$15.86$17.02$13.84
50$20.05$16.18$17.31$13.94
51$21.04$16.75$18.05$14.33
52$21.85$17.16$18.53$14.54
53$22.90$17.70$19.26$14.91
54$23.99$18.41$19.93$15.33
55$25.24$19.15$20.76$15.80
56$26.33$19.83$21.39$16.24
57$27.37$20.55$21.96$16.63
58$28.41$21.24$22.53$17.02
59$29.65$22.01$23.15$17.45
60$31.11$22.98$23.94$18.04
61$33.09$24.29$25.08$18.86
62$35.11$25.55$26.22$19.63
63$37.09$26.86$27.37$20.46
64$39.12$28.17$28.46$21.28
65$41.10$29.48$29.60$22.11
66$43.85$31.27$31.37$23.32
67$46.66$33.07$33.14$24.53
68$49.42$34.87$34.91$25.75
69$52.17$36.66$36.68$27.01
70$54.98$38.45$38.44$28.22
71$58.62$40.78$40.99$29.92
72$62.31$43.06$43.49$31.66
73$66.00$45.61$46.04$33.57
74$69.64$48.18$48.53$35.49
75$73.34$51.37$51.08$37.81
76$77.96$55.04$54.41$40.73
77$82.97$58.42$58.00$43.36
78$88.09$61.53$61.62$45.82
79$93.19$64.72$65.28$48.31
80$98.34$67.93$68.97$50.82
81$106.65$73.10$74.27$54.71
82$115.56$78.37$79.99$58.58
83$124.54$83.31$85.70$62.26
84$132.94$88.24$91.05$65.88
85$141.39$93.18$96.45$69.55

$10000 Mutual of Omaha Monthly Rate Chart

AgeMale. SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
45$31.24$25.45$28.14$22.61
46$32.20$26.17$28.78$23.02
47$33.38$27.02$29.53$23.55
48$34.67$27.96$30.28$24.18
49$35.57$28.52$30.83$24.48
50$36.89$29.16$31.43$24.67
51$38.88$30.30$32.89$25.45
52$40.50$31.12$33.85$25.88
53$42.59$32.20$35.31$26.62
54$44.77$33.61$36.66$27.47
55$47.27$35.09$38.32$28.40
56$49.45$36.45$39.57$29.27
57$51.53$37.91$40.72$30.06
58$53.61$39.27$41.86$30.83
59$56.11$40.82$43.10$31.70
60$59.02$42.76$44.67$32.87
61$62.97$45.38$46.96$34.51
62$67.03$47.90$49.24$36.06
63$70.98$50.52$51.53$37.72
64$75.04$53.14$53.71$39.36
65$78.99$55.76$56.00$41.01
66$84.50$59.35$59.54$43.44
67$90.11$62.93$63.07$45.86
68$95.63$66.53$66.61$48.29
69$101.14$70.11$70.15$50.81
70$106.76$73.70$73.68$53.24
71$114.04$78.36$78.78$56.63
72$121.42$82.92$83.77$60.12
73$128.80$88.01$88.87$63.93
74$136.08$93.16$93.86$67.78
75$143.47$99.53$98.95$72.41
76$152.72$106.87$105.61$78.25
77$162.75$113.64$112.80$83.51
78$172.97$119.86$120.04$88.44
79$183.17$126.23$127.36$93.41
80$193.47$132.65$134.74$98.43
81$210.10$143.00$145.34$106.21
82$227.91$153.54$156.77$113.96
83$245.88$163.41$168.20$121.31
84$262.68$173.28$178.90$128.55
85$279.58$183.15$189.70$135.90

$15000 Mutual of Omaha Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
45$45.26$36.57$40.61$32.31
46$46.70$37.66$41.57$32.93
47$48.47$38.93$42.69$33.72
48$50.40$40.34$43.81$34.67
49$51.76$41.18$44.64$35.12
50$53.73$42.13$45.54$35.40
51$56.72$43.85$47.74$36.58
52$59.15$45.08$49.17$37.22
53
$62.28$46.70$51.36$38.33
54$65.55$48.81$53.39$39.60
55$69.30$51.04$55.88$41.00
56$72.57$53.08$57.75$42.31
57$75.69$55.26$59.47$43.48
58$78.82$57.30$61.18$44.64
59$82.56$59.62$63.05$45.95
60$86.92$62.53$65.40$47.70
61$92.85$66.47$68.83$50.17
62$98.94$70.25$72.26$52.49
63$104.86$74.17$75.69$54.98
64$110.95$78.11$78.97$57.45
65$116.88$82.04$82.40$59.91
66$125.14$87.42$87.71$63.56
67$133.57$92.80$93.01$67.19
68$141.84$98.19$98.31$70.84
69$150.11$103.57$103.62$74.61
70$158.53$108.95$108.92$78.26
71$169.45$115.93$116.57$83.34
72$180.53$122.78$124.05$88.58
73$191.60$130.42$131.70$94.29
74$202.52$138.13$139.19$100.07
75$213.60$147.69$146.82$107.01
76$227.48$158.70$156.81$115.77
77$242.52$168.86$167.60$123.66
78$257.86$178.18$178.46$131.06
79$273.15$187.74$189.44$138.52
80$288.60$197.38$200.50$146.05
81$313.55$212.89$216.40$157.72
82$340.26$228.71$233.56$169.33
83$367.22$243.52$250.70$180.36
84$392.42$258.32$266.75$191.23
85$417.77$273.13$282.95$202.25

$20000 Mutual of Omaha Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
45$59.27
$47.69$53.08$42.01
46$61.20$49.15$54.36$42.84
47$63.56$50.84$55.86$43.89
48$66.13$52.72$57.35$45.16
49$67.94$53.85$58.46$45.76
50$70.58$55.11$59.65$46.14
51$74.56$57.41$62.58$47.70
52$77.80$59.04$64.49$48.56
53$81.97$61.20$67.41$50.04
54$86.33$64.01$70.11$51.73
55$91.33$66.98$73.44$53.60
56$95.69$69.70$75.93$55.34
57$99.86$72.61$78.23$56.91
58$104.02$75.33$80.51$58.46
59$109.01$78.43$83.00$60.20
60$114.83$82.31$86.13$62.53
61$122.73$87.56$90.71$65.82
62$130.85$92.60$95.28$68.92
63$138.75$97.83$99.86$72.23
64$146.87$103.08$104.22$75.53
65$154.77$108.31$108.79$78.82
66$165.79$115.49$115.88$83.68
67$177.02$122.66$122.94$88.52
68$188.06$129.85$130.01$93.38
69$199.08$137.02$137.10$98.42
70$210.31$144.20$144.16$103.28
71$224.87$153.51$154.36$110.06
72$239.64$162.64$164.33$117.04
73$254.40$172.82$174.53$124.65
74$268.96$183.11$184.51$132.36
75$283.73$195.85$194.70$141.62
76$302.24$210.54$208.01$153.29
77$322.29$224.08$222.39$163.81
78$342.74$236.51$236.88$173.67
79$363.14$249.25$251.51$183.62
80$383.73$262.11$266.27$193.66
81$417.00$282.79$287.47$209.22
82$452.62$303.88$310.34$224.71
83$488.56$323.62$333.20$239.41
84$522.16$343.36$354.59$253.90
85$555.97$363.10$376.20$268.60

$25000 Mutual of Omaha Monthly Rate Chart

AgeMale, SmokerMale, Non-SmokerFemale, SmokerFemale, Non-Smoker
45$73.29$58.81$65.55$51.71
46$75.69$60.63$67.15$52.75
47$78.65$62.75$69.02$54.07
48$81.86$65.10$70.89$55.65
49$84.13$66.51$72.27$56.40
50$87.42$68.09$73.76$56.87
51$92.40$70.96$77.43$58.83
52$96.45$73.00$79.81$59.90
53$101.66$75.69$83.46$61.74
54$107.11$79.21$86.84$63.86
55$113.36$82.93$91.00$66.19
56$118.82$86.33$94.12$68.37
57$124.02$89.96$96.99$70.33
58$129.23$93.36$99.84$72.27
59$135.46$97.23$102.95$74.45
60$142.73$102.08$106.87$77.36
61$152.61$108.65$112.59$81.48
62$162.76$114.94$118.30$85.35
63$172.64$121.49$124.02$89.49
64$182.78$128.05$129.47$93.61
65$192.66$134.59$135.19$97.72
66$206.44$143.56$144.05$103.80
67$220.48$152.52$152.88$109.85
68$234.27$161.51$161.71$115.92
69$248.04$170.48$170.57$122.22
70$262.08$179.45$179.40$128.29
71$280.28$191.08$192.15$136.77
72$298.75$202.50$204.61$145.49
73$317.20$215.22$217.36$155.02
74$335.40$228.08$229.84$164.65
75$353.86$244.02$242.57$176.22
76$377.00$262.37$259.21$190.82
77$402.06$279.30$277.19$203.97
78$427.62$294.83$295.30$216.29
79$453.12$310.77$313.59$228.73
80$478.86$326.83$332.04$241.28
81$520.45$352.68$358.54$260.73
82$564.97$379.05$387.13$280.08
83$609.89$403.73$415.70$298.46
84$651.90$428.40$442.44$316.57
85$694.16$453.08$469.45$334.95

What Does The “Fine Print” Say?

I’ve seen dozens of these life insurance ads on TV since I started the business in 2011. Many of my clients refer to ads they have seen on TV for companies like Colonial Penn, AARP, and Globe Life Insurance.

Now, I always tell them to pay VERY close to the fine print that’s shown on the screen, especially near the end of the advertisement. You have to be mindful when looking for it because it literally flashes on the screen for a few seconds before disappearing.

Let’s take a look at the fine print that’s listed on the Open Care Life Insurance TV ad.

You’ll have to scroll to the 58-second mark to see the fine print. Pause the video once you’re there. Notice the fine print that says the following:

“Guarantee issue whole life insurance policies provide for a limited graded death benefit or return of premium during the first two policy years (varies by product) after which the death benefit remains level.”

This means that you have coverage for natural and accidental deaths, but coverage for a natural death doesn’t start until two years later.

Again, this is another warning sign that the coverage Open Care Life Insurance is offering isn’t necessarily the best.

Why Are Second Opinions And Rate Chart Comparisons Important?

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

If a car mechanic was charging you a seemingly outrageous price on fixed up your vehicle, wouldn’t you seek a second an opinion, just to make sure the deal is fair and he’s not ripping you off?

The same goes with buying burial insurance. Always seek a second opinion.

At the end of the day, whether or not you do business with Open Care Life Insurance is totally your business. If you decide it’s for you, then that’s fantastic.

Hopefully, you’ll agree with me about the importance of getting a second opinion.

Remember, when you buy a burial or life insurance plan, the idea is to pay for that insurance for the foreseeable future. That means you can pay for many years in order to maintain coverage.

Obviously, the concern here is, what if you’re paying a relatively high amount for said covered and you overpay by the tune of hundreds or thousands for the policy?

When viewed in that light, wouldn’t you agree that it’s important to get a second opinion?

If you believe it’s important to get a second opinion, first, take a look at the charts below to see some of the companies that we have to offer and the rates that you could possibly get.

Secondly, if you like what you see, please feel free to call me direct at (888) 626-0439 for a free consultation to help you better understand what your options for life insurance are.

During that call, you will check to see if we can qualify you for a good burial insurance plan or, possibly, a life insurance plan, whether that be term life insurance or universal.

Alternatively, you can send a message here to start our conversation.

I hope you enjoyed this review. Please feel free to leave a comment below if you have any questions.

About BuyLifeInsuranceForBurial.com
About BuyLifeInsuranceForBurial.com

We work with individuals across the nation to secure the best life insurance rates.

This entry was posted in Burial Insurance Companies. Bookmark the permalink.

Leave A Reply
Top