The Truth About Open Care Final Expense Plans Reviews & Rates

As your loved ones age, it’s important to be prepared for the inevitable. You never know when the time will come where you need to make decisions about their care and what they want.

This Open Care Final Expense Plans Review helps you understand all of the options available with a plan that is tailored to your loved one’s needs. Whether they are looking for coverage in case something happens or just want peace of mind knowing that if they do pass away, their family won’t have any unexpected expenses on top of grieving them –

Open Care Seniors has a plan that is perfect for anyone over 65 years old! Or Do they?

Here is our overall review for Open Care Senior Final Expense Plans.

Open Care Final Expense Coverage Plans, Who Are They

The Florida agency, Open Care Seniors is a legitimate and well-known insurance company that specializes in selling final expense life coverage.

They also sell term life policies for those who need them as well as accidental death coverages with Medicare product alternatives to help protect you from outliving your money!

It’s hard finding information about this business but our research uncovered some interesting facts such as their long list of commercials on TV showcasing $25k worth of free benefits available only through the insurer’s services – talk about persuasive advertising hey?

Open Care Life Insurance is the type of plan you should never take seriously. It’s not surprising that there are so many different rates for this company, with some starting at only $7.49 per month!

A similar option from Colonial Penn will set your family back $9.95 – but don’t be fooled by them because if anything happens to one person in our family it could bankrupt us all before we even know what hit us.

What Is The Process Of Open Care Life Final Expense Plans

Open Care funeral expense plans are available for up to $50,000 in coverage. It’s a whole life policy where prices never increase. In fact, you can enjoy peace of mind knowing your loved one’s final expenses will be taken care.

Most importantly, without any hassle or stress. In addition, it even builds cash value!

Open Care Funeral Insurance offers two options to choose from.

  • The guaranteed acceptance plan requires no health questions and guarantees approval, regardless of your current condition or past illnesses like blindness–but there will be a 2-year waiting period before coverage begins during which time you are not eligible for death benefits payments on any deaths arising out.
  • On the other hand, simplified issue where all applicants must answer some basic questions regarding their medical backgrounds but qualification depends on what they say.

OpenCare is a senior insurance plan. The difference between this and the regular Opencare plan is that they don’t immediately cover you once approved.

Instead of requiring an additional waiting period before coverage begins in which time your premiums are refunded with interest added onto it (interest rates on death benefits).

What Is Opencare Term life

A temporary senior plan with a $25,000-$500K limit for adults 18-75. The Opencare life insurance policy is only available to those who are already medically qualified.

While most people don’t use this plan to cover final expenses, OpenCare has a great tool for covering temporary obligations. For example, if you happen to die before your mortgage is paid off and have term life insurance plans available which provide full benefits for the life of the term.

However, there’s no guaranteed acceptance option so it’s important you check your eligibility before applying! If you are looking for life insurance for your grandparents, be sure to shop around.

Open Care Final Expense Insurance Plans, How Do They Work

Burial insurance is the ultimate peace of mind. It’s just like regular life insurance, but with one important difference: you don’t have to take any exams or submit an application!

Simply buy a policy and be on your way – it’ll cover everything from headstones right down to urns for cremation ceremonies so that when someone close dies there are no questions left unanswered at their funeral home reception desk.

Get the best burial insurance and never worry about outliving your coverage.

Open Care Senior Final Expense provides:

  • Permanent protection, as long because you pay your premiums (and don’t die before getting old), no one can cancel due to age or health issues; –
  • No premium increases for LIFETIME! The best Burial policy is designed not to have any at all ages–it’s an investment for today AND tomorrow… Forever!!!
  • It covers first day full regardless if it’s natural causes like cancer(or accidental) death. Even though we’re talking about life here but hey who knows what could happen anymore so why take chances

Burial insurance is a great way to ensure that you have all your bases covered. An OpenCare final expense plan offers between $5K and 50k in protection, so it’s never too late for peace of mind!

What are Open Care Final Expense Plans Cost

The price of a policy will depend on various factors. If you’re healthy, there’s no need to worry about your rates going up because they already have an affordable base package available for $7.49 per month which covers non-smokers and people who don’t smoke more than two packs per day ($2k worth).

For those with higher health care needs or seeking coverage amounts greater than what is included in this basic plan however prices start getting expensive!

Below I’ve listed some examples given my own personal experience shopping around online:

Open Care Final Expense Female and Male Non-Smoker/Smoker Rates

Age At

You can get quotes for any age and amount you desire with their online quoting tool. It doesn’t require a phone number or email to do so, which is really nice!

What You Need To Look Out For Before Buying A Open Care Final Expense Policy

The one thing you need to be aware of is the waiting period. Opencare frequently and prominently advertises how they cannot deny coverage for their product, which is true for people 85 years old or younger.

However, any company that sells guaranteed issue life insurance will always have a 2 year wait time before your application can actually go into effect-not bad considering most policies nowadays offer at least this much protection!

Why Open Care Is NOT the Best Place To Purchase Final Expense Insurance

It would seem that the only way to know for sure if a company is reputable and trustworthy or not, are with negative reviews online. But since there aren’t any of those on their website, you have no choice but to take them at face value when they say things like “we offer great service.”

We cannot always be too careful about who we trust in this world where bad news seems inevitable! That said though – having multiple companies offering similar burial insurance coverage can help ensure getting an affordable price without sacrificing quality by comparing offers from each firm individually before making your final decision.


We hope you’ve found the information in this post useful. If you have any questions about our final expense plan, please get in touch with us at or call 855-380-3300 and we will be happy to answer your questions!