Open Care Final Expense Plans: Should Seniors Buy from Open Care?

Written by Kim Wilhelm

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Last Updated 14 Jun 2024

You’ve probably seen the TV ads for Open Care senior plans and wondered if one of their plans would be right for you. They advertise super low rates, which would make senior life insurance affordable on almost any budget.

But, should seniors buy from Open Care? 

Let’s dive into Open Care Seniors to find out.

Open Care Final Expense Insurance

Open Care Seniors offers final expense insurance for seniors up to age 85. They also offer term and whole life insurance to adults as young as 18. 

Open Care isn’t a life insurance company. It’s an independent broker agency, just like Final Expense Direct. Open Care offers life insurance from several ““A”-rated carriers across the United States,” according to the website.

But, which companies issue Open Care life insurance policies?

We have no idea. At Final Expense Direct, we don’t hide the final expense companies we partner with. We want you to make an informed decision, and that includes being transparent about the companies you could qualify for.

According to its website, Open Care Seniors offers coverage from $5,000 to $50,000 for final expense insurance. Open Care advertises you can get rates as low as $7.49 per month, but that’s only if you get a $2,000 death benefit as a 50-year-old female who is in good health and doesn’t smoke.

We don’t know about you, but we bet you need more than just $2,000 in final expense insurance.

Open Care Final Expense Burial Insurance

When you get final expense insurance, whether it’s through Open Care, Final Expense Direct, or somewhere else, it’s often called burial insurance. That’s because seniors usually buy final expense insurance to pay for funeral costs.

The average funeral with burial and viewing is almost $9,000. Add on some basics like a burial plot and grave marker, and you’re easily over $10,000 in funeral costs.

So while Open Care Seniors advertises ultra low rates, the benefits you can buy for those low rates won’t go very far.

At Final Expense Direct, we have companies that will offer you as low as $2,000 in death benefit, but we usually recommend at least $10,000. That way, your loved ones can pay for the funeral you want once the good Lord has called you home.

How the Open Care Policy Works

The Open Care final expense policy plans for seniors works like this:

  1. Apply for coverage.
  2. Get approved by the underwriting team.
  3. Pay your first premium to start coverage.
  4. Receive a paper policy by mail or an electronic copy by email.

Open Care offers three policy types: term, final expense, and guaranteed issue. Your coverage needs, age, and health status determine what you’re eligible for.

Open Care Term Life

The term life plan is for adults ages 18 to 75. Coverage lasts for 10, 20, or 30 years. You can get coverage from $25,000 to $500,000. This policy requires health questions and a medical and prescription history check for approval.

Open Care Final Expense

Its final expense plan is for adults from 18 to 85. Their website says you can get up to $250,000 in coverage, but the older you are when you apply, the less coverage you can buy. There are health questions on the application, but no medical or prescription check.

Open Care Guaranteed Issue

The guaranteed issue plan offers instant approval, with no health questions. Adults from age 25 to 85 can apply for up to $25,000 in coverage.

What You Should Look For Before Purchasing the Policy

Before purchasing a policy from Open Care, there are some things to look for. First, be aware that Open Care does not disclose the companies they work for.

Without this information, you don’t know what conditions they cover, the price, or any details about the policy until AFTER you apply. 

With little transparency, you have no idea what you’re signing up for. You could end up getting a 2-year waiting period plan, when really, you need a final expense plan with no waiting period.

You could end up getting little coverage for a lot of money with Open Care. Beware of companies that provide little information up front until you provide your personal details, especially health information.

Why You Should Not Purchase Open Care Final Expense Insurance

There are several reasons why you should not purchase Open Care final expense or other types of life insurance:

  • Lack of transparency
  • Limited options
  • High prices
  • Unknown life insurance companies
  • You don’t know what they’re doing with your personal data and medical information
  • You have to provide sensitive information to find out what you qualify for
  • You could get a 2-year waiting period without realizing it

Open Care Final Expense Life Insurance for Seniors

Buying Open Care final expense life insurance for seniors seems pretty easy. You can get a quote and fill out the application right on the website.

But if you’re not sure who much coverage you need or what will fit into your budget, you’re usually better off speaking with an agent. At Final Expense Direct, you can get quotes online, but you can also work with an agent right over the phone.

We make it easy because we don’t have an automated system and don’t make you jump through hoops to get someone on the phone. Our agents are ready and waiting to answer your call, and most seniors get approved right over the phone before they hang up.

Like Final Expense Direct, Open Care asks health questions as part of the application. This is to see which companies you qualify for and at what rate. 

If you’re in good health or only have minor health issues, you’ll probably qualify for simplified issue final expense insurance. But if you have serious health issues or are in poor health, you’ll qualify for guaranteed issue final expense insurance.

Guaranteed issue life insurance for seniors is more expensive, but you’re guaranteed to be approved, no matter what your health status is.

While this is similar to Final Expense Direct, we found one big difference between us and Open Care. 

All the carriers we work with will approve our clients without a medical exam, no matter how much coverage you buy. When you apply with Open Care, you might have to complete a medical exam if you apply for more than $40,000 in final expense insurance. 

Open Care Final Expense Funeral Insurance

Although Open Care final expense funeral insurance may offer fair rates, they might not be the best choice. You should consider other perks, like riders, when choosing a life insurance company. 

For instance, an accelerated death benefit rider lets you access your death benefit while you’re still alive after being diagnosed with a terminal illness.

Another rider worth considering is the confined care and nursing home waiver. If you’re confined for care or placed in a nursing home, the company will waive your premiums until you’re out or pass away.

As far as we can tell, Open Care final expense plans don’t offer any riders. If you want the most value for your dollar, you might be better off getting life insurance elsewhere.

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Final Expense Life Insurance Quote Online

Open Care Final Expense Life Insurance Costs

Ready to check out how much Open Care final expense life insurance costs? We compared rates for Open Care senior final expense plans to some carriers we work with.

The sample rates in the table below are for healthy, non smoking seniors. Costs are based on $10,000 in final expense insurance coverage. Your rates will vary by your age, health, coverage needs, and the state you live in.

50 male

50 female

60 male

60 female

70 male

70 female

Liberty Bankers Life







Mutual of Omaha







Open Care







Prosperity Life Group







As you can see, how old you are is one of the determining factors in how much you’ll pay for senior life insurance. Our carriers met or beat out Open Care Senior’s rates, and each carrier has its own benefits and perks that could make it the right company for you.

For example, Liberty Bankers Life offers a family life insurance plan. You can buy final expense insurance and add a rider for your children or grandchildren (up to age 25) that costs pennies a day. Liberty Bankers also insures adults as young as 18 and has the most lenient height and weight guidelines, which is great for anyone who is overweight.

Mutual of Omaha offers some of the lowest rates available for final expense insurance. And if you have major health issues, Mutual of Omaha’s guaranteed issue rates are also extremely competitive.

Prosperity Life Group is a great choice for seniors with circulation issues, organ transplant recipients, and heart issues. They also accept the Direct ExpressCard, so if you’re on social security, you can use your benefits card to pay the premium.


Open Care Seniors functions much like Final Expense Direct, but they aren’t as transparent. You don’t know what companies Open Care works with, and you might have to take a medical exam to be approved for final expense insurance over $40,000. Though Open Care advertises ultra low rates, only the youngest and healthiest will qualify. At Final Expense Direct, we work with some of the best carriers nationwide, and many will beat the rates Open Care offers.

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