Open Care Senior Plan Review | The TRUTH

Is Open Care insurance the best option for you? Is there coverage actually reliable? Well the short answer to those questions is no and no. Why? (I will explain in detail later on.) Well, Open Care is not actually an insurance company, they are “underwritten” by another company. 

That means they advertise insurance plans but insurance you get is actually from a different company. They regularly advertise on TV promising really low rates and good coverage. 

However, before you buy an insurance plan, you need to ask a few important questions to protect yourself and make sure you get the best coverage. 

  • What are the fine print issues?
  • Do the rates regularly increase?
  • Is the company known to have a high number of complaints?
  • And, is this the best option for me?

If you simply buy the first plan you come across, odds are you will not get the best coverage at the lowest rate. Insurance companies are counting on you not understanding certain fine print terms. This has caused families to lose out on their entire death benefit. 

I am sure you want reliable coverage that will provide for you and your family while not breaking the bank. 

In this article I will answer the questions above. I will also provide you with detailed research and explanations of the problems with an Open Care plan. 

Before buying an Open Care plan, please read this article. A 20 minute read could save you and your family thousands! That’s not an exaggeration! 

Looking for a quote for life insurance or burial insurance? Click here and see what you may qualify for. If you’d prefer to talk live, call 888-626-0439 to speak with us directly.

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Video Review

If you would prefer to take a look at a video to find information on Open Care, watch some of the videos below. Each video goes over a different aspect of burial insurance. I also cover the absolute WORST kind of policies you can get and how to understand the fine print. 

  • Take a look at this video which goes over the worst policies that you should definitely avoid. Click the link below to view the video. 

Avoid These 4 WORST Burial Insurance Policies! [2021]

  • Watch this video to learn what burial insurance covers. Click the link below. 

What Does Burial Insurance Cover? [Funeral Rates Revealed]

  • Take a look at this video which gives an overview of how burial insurance works and how you can use your coverage. Click the link below. 

How Does Burial Insurance Work?

Who Is Open Care?

Open Care is a company that offers final expense insurance to seniors. Their advertisements say they offer insurance that never cancels with rates that never increase. Open Care advertises very low rates, “rates start at $7.49 per month.” 

They advertise insurance plans on the TV and market to seniors. They offer different kinds of plans depending on your needs. They have Guaranteed Issue Plans and Simplified Issue. They advertise that you do not need a medical exam. 

An OpenCare final expense plan offers between $5,000 to $50,000 in burial insurance protection depending on what your budget is and what you may qualify for.

The advertisement I researched can be viewed here, Final Expense Open Care

While Open Care may initially sound good, there are fine print clauses that have been misunderstood by people. These issues can cause you to lose out on your coverage and benefits. Before you make your decision, please read through this article. I will clearly explain why Open Care is not the best choice for funeral insurance and why. 

If you have any questions and/or would like to look at other options you can contact me at  888-626-0439. I would be happy to provide you with answers and all the options that are available to you. 

How Does Open Care Work?

In the advertisement, Open Care final expense plans are described as “burial insurance.” 

Burial insurance is a simplified issue of a whole life insurance product. This is a specific type of insurance that ONLY covers expenses related to the policy holder’s death/burial. 

Burial insurance has a smaller payout than life insurance Because this kind of policy is only supposed to be used for your funeral expenses. 

It’s designed to provide:

  1. Permanent protection. This means burial insurance cannot be canceled due to your 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 choice if you need an insurance policy to specifically cover costs of your funeral and any other end-of-life expenses. It can also cover any outstanding medical bills. 

However, if you have other needs such as covering a mortgage payment, providing a lump sum death benefit to your family, or you need other insurance Riders to customize your coverage, burial insurance will not be enough for you. 

Let me explain what products OpenCare final expense plans don’t necessarily offer.

Open Care Products

The two products I’m going to talk about in this article are Open Care’s Term insurance and they’re Guaranteed Universal insurance product.

Open Care offers two options when selecting our insurance product. They offer a guaranteed acceptance product which means that anyone who applies within the age range is guaranteed Acceptance in coverage. 

SEE ALSO  3 Final Expense Insurance Scams To Avoid!

They also have a simplified issue product, with this product there is no medical exam but you do have to answer certain health questions. Open Care may look into your health history and your insurability depends on your answers and your health history. 

1. Term insurance

Term insurance is a type of temporary insurance that can cover an individual for a specific period of time. You can buy term insurance that lasts 5, 10, 15, or 20 years. The insurance lasts for the duration of the term and as long as you pay the premiums. 

Term insurance can be a great tool when it’s used properly. Many individuals have found that a term insurance plan fits their temporary needs more than a whole life insurance plan. 

However, term insurance has some serious downsides. There are some fine print clauses term insurance includes which could mean you lose your coverage. (More on this later.)

While not normally used to cover final expenses, OpenCare final expense plans are 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 for seniors 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.

Advantages Of Term Insurance

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. 

Whole life insurance rates could be 5 to 10 times more expensive. A whole Insurance may not be a bad choice for you or your family, you need to understand your goals and the reason you are purchasing the insurance policy before you can decide on the product you will need. 

You might find that if you want to cover items like your mortgage or lost income that term insurance will be a better solution than an Open Care senior plan.

As mentioned before, term insurance is a good option to solve temporary problems. Term insurance also allows more flexibility. You are not locked into a lifelong plan, so if you only want insurance for five years, you can purchase a term insurance plan and then re-evaluate your needs when your coverage ends. 

2. Universal life insurance

A universal life insurance plan is a type of policy that builds cash value. So, you would purchase this plan to get coverage and the plan would continue to put aside some of the money from your premiums paid, or any extra money you transfer. 

This type of insurance product provides coverage for the policy holder’s whole life. It can provide a life insurance payout, a death benefit which can cover end-of-life expenses, as well as building cash value as long as you hold the policy. 

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 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.

Open Care offers this product to their customers. When filling out the application you will be asked some general health questions and your acceptance will be based on your answers. 

If you need insurance that will cover current conditions and illnesses then you may want to consider a guaranteed issue product. 

Why consider a guaranteed universal life plan over burial insurance?

Considering a guaranteed Universal Life Plan instead of a burial insurance policy can broaden your options. Usually a guaranteed Universal Life Plan offers a higher level of coverage for a lower premium. This is definitely a good option to at least consider when you’re looking at purchasing an insurance product.

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’d get with burial insurance. So, why not consider seeing if guaranteed universal life insurance would qualify you for coverage?

Fine Print Issues And Company Problems

The main cons of opencare are:

  • Their guaranteed acceptance plans have a two-year wait. 
  • Unclear information

Two Year Wait

With many guaranteed-issue products the insurance company includes a two-year wait. This means that you do not have full coverage for 24 months. 

When you purchase the product you may have coverage for accidental death during that time, however, if you were to pass due to natural reasons your family would not receive a payout. 

This two year wait is actually pretty common when it comes to guaranteed issue products. Many companies have a wait period with these insurance policies. 

SEE ALSO  The Insider's Guide To Globe Life Insurance [Fine-Print Revealed]

Unclear Information

Open Care does not disclose which companies they work for/with. 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. When purchasing an insurance product you need to be sure that your needs will be met.  

As a general rule of thumb you should avoid working with any company that is not clear about the conditions they will and will not cover. The more transparent the company is the better. 

In the worst case scenario, you can get into a no-questions asked burial insurance plan. Those plans are great as last-ditch efforts when nothing else works. 

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

Basically, you could be put in a situation where you are given a low quality coverage for a higher premium. That is why you need to get as much information on the company and your options before you lock in an insurance product. 

What Does Open Care Cost?

Since Open Care advertises a few different insurance providers, their rates can vary. Take a look at the charts below to see some of Open Cares expected premiums. 

Open Care advertises plans “starting at $7.49” but that is not actually the case. Customers usually end up paying much more than that.

The only plan that qualifies for the $7.95 premium is the non-smoking female burial insurance plan with $2,000 coverage. Honestly that’s a downright laughable coverage amount. You would barely be able to afford the service fees with that amount. 

This chart shows the expected premiums for individuals who are smokers. The coverage level here is $8,000. 

Age Woman  Man
40 Years Old $21 $24
50 Years Old $27 $33
60 Years Old $39 $51
70 Years Old $59 $94
80 Years Old $102 $167
90 Years Old $229 $252

This chart shows the premiums for non-smoking individuals with $8,000 in coverage. 

AGE Woman Man
40 Years Old $17 $19
50 Years Old $21 $25
60 Years Old $29 $36
70 Years Old $42 $60
80 Years Old $84 $11
90 Years Old $205 $242

Open Care Customer Service

To speak to an Open Care agent you can go to their website and open a live chat with an agent. You can also email Open Care at support@opencare.com. If you already have a policy with Open Care you may be able to find a phone number within your policies documents. 

Is Open Care Legit?

Yes, open care is a legitimate company that provides Insurance. Many are confused as to whether opencare is an insurance agency or an insurance company. 

The difference is that an insurance agency will advertise Insurance products however they do not actually provide the insurance policy. An insurance agency will Market Insurance products but the insurance products are underwritten by another Insurance Company.

It is very unclear as to whether opencare is actually an insurance company. They do however provide legitimate insurance coverage and policies.

Alternatives To Open Care

As I’m sure you understand now, Open Care is not the best option for a funeral expense insurance plan.  You may be asking, “So now what?”  Well, now you need to look at different alternatives to an Open Care plan.

I cannot just rattle off appropriate alternatives because the appropriate alternative for you specifically may be different from another one of my customers. However, we work with over 15 different insurance providers.  

I have no doubt that we at Buy Life Insurance For Burial can find a well suited alternative plan that provides better coverage at a competitive or even lower rate than Open Care.

 If you would be interested in getting answers to different questions you have about insurance or taking a look at the options available to you give us a call at 888-626-0439. 

Is Burial Insurance Necessary?

Burial insurance is a very good way to protect your family from having to take care of thousands of dollars related to your end-of-life expenses. 

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.

When you pass, if you do not have a funeral expense plan and your family cannot cover your funeral, the local government will have to bury your buddy. 

In this case, your family must sign over your body to the local government who will then decide where, how, and when you are buried. This is NOT a very comforting way to say goodbye to a loved one. 

It is so important to prepare for this event 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.

So, you do not have to get burial insurance, but there are MANY good reasons every adult should get it!

What Is The Best Life Insurance Plan?

The best Life insurance plan is different for each person. Every individual has different circumstances, health, age, and needs.  I cannot choose one insurance plan and say this is the best for everyone. Insurance plans are not a one-size-fits-all.

There are insurance companies that are known to provide great coverage and customer service. Ideally you want an insurance plan that provides a large benefit, affordable premiums, and has a good reputation.

To choose the best insurance company for yourself you need to consider certain factors. They are as follows:

  • Make sure you know the reason you are buying the insurance. Some people want short term coverage for a specific health issue, other people want Insurance specifically for their funeral, and other people want a broader insurance that covers Healthcare, a death benefit, and their funeral expenses.
  • Coverage amount  that you will need.
  • When the coverage starts after you purchase the plan.
  • The fine print clauses that are included in the plan you’re looking at.
  • The company’s customer service reputation and their complaint ratio.
  • Your health history.
SEE ALSO  The TRUTH About Burial Insurance With No Waiting Period

Once you know all of that information you are in a good place to make a decision on the plan that is best for you. However there is one more thing you need to do! Make sure that you have compared all of your options. There are many insurance companies available, and to make sure you have gotten the best coverage with the best price you need to look at a few other companies in comparison.

You could choose to do that yourself, however that would take many days if not weeks. However there is another option, we at buy life insurance for burial are independent agents who can provide you with a quote from roughly 15 different insurance companies. We do the shopping around for you and then we present you with your best options. 

If you have any questions and/or would like to look at other options you can contact me at  888-626-0439.

Why Work With An Independent Agent?

There are two kinds of insurance agents, an independent agent and a captive agent. 

A captive insurance agent typically represents one company and one company alone. That means that their options for coverage are extremely limited. They cannot provide you with comparisons and give you quotes for multiple insurance companies.

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:

Again, based on how the advertisement is presented on TV, it is unclear whether or not OpenCare final expense plans are an independent insurance agency. 

We cannot be sure if you can actually get a competitively-priced, well-shopped premium for your life insurance coverage with a captive agent. 

An independent agent has access to a variety of insurance companies and can compare and shop around for you. An independent agent can say “Well, you could get this plan, however, I have 3 alternatives that are cheaper and have a higher coverage amount.”

I definitely suggest working with an independent insurance agent who can verify the insurance companies they work with. You want to select an agent who is transparent and upfront about their company and the policies they are offering you.

If that sounds like a good idea to you, contact Buy Life Insurance For Burial. Call us at 888-626-0439. Or Click here and see what you may qualify for. 


  1. Take a look at this review of Open Cares final expense insurance. Click the link below. Open Care Insurance Services Final Expense Plan TV Spot, ‘At Peace: $30,000’
  2. Read this comparison of Open Care Insurance plans. Click the link below. Open Care Final Expense Plan Review 2021 | Compare Plans
  3. Review the fine print issues and misunderstood information about Open Care products. Click the link below. The Truth About Open Care Final Expense Plans Reviews & Rates | InsuranceForburial.com
  4. Read over a detailed review of Open Care. Click the link below. 2022 Opencare Final Expense & Senior Plan Review
  5. Browse Open Cares senior plans and what they are actually cover. Click the link below. OpenCare Senior Plan
  6. Take a look at this video to learn about the 4 WORST policies. Click the link below. Avoid These 4 WORST Burial Insurance Policies! [2021]
  7. Read this review of Open Cares insurance. Click the link below. Open Care Final Expense Life Insurance Review In 2022



Why Are Second Opinions 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 opinion, just to make sure the deal is fair and he’s not ripping you off?

The same goes for buying burial insurance.

Always seek a second opinion.

At the end of the day, whether or not you do business with an OpenCare Senior Plan 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.

Locking into a monthly payment

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?

Getting a second opinion

If you believe it’s important to get a second opinion:

  1. 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 with an Open Care senior plan.
  2.  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.

Disclaimer: We are not in any way affiliated with Open Care Seniors. In fact, we are a direct competitor of theirs. This article is our personal review and our personal opinions of the company. If you are looking to contact Open Care Seniors directly, call them at 1 (321) 300-1446.