Open Care Final Expense Life Insurance Review In 2022

Have you seen an ad for Open Care and want to know more about their company and product? You’ve come to the right place.

In this article we are going to go over who is Open Care, what their product does and how it stacks up to the competition.

Table Of Contents

Who Is Open Care?

Open Care Seniors (Open Care) is an independent insurance agency that runs a lot of T.V. ads highlighting that everyone can get up to $25,000 in final expense life insurance.

They mainly sell final expense, but it seems they also provide some ancillary Medicare products as well.


Whole Life

Open Care offers up to $50,000 in coverage with no medical exam required, similar to almost every other final expense life insurance company.

They have two options to chose from…

1 – Guaranteed Issue with no health questions but a 2 year waiting period

2 – Simplified issue with health questions but potential immediate coverage if you qualify

Both of these products are what they refer to as their “Open Care Senior Plan” on T.V.

Term Life

Open Care also has a term life insurance product for $25,000-$500,000 in coverage for ages 18-75. The term on this policy can be 10, 20, or 30 years, and then it would expire and you would have no coverage.

For their term life insurance, you must qualify with health questions like the simplified issue final expense product. Not everyone qualifies.


First of all, if you have seen an ad saying you pay as low as $7.49, do not expect to pay this amount. This is just a marketing gimmick.

Below are some of their rates that you can get from their website. Keep in mind that these rates are for male, non smoker, $10,000 simplified issue whole life, and you will pay more if you do not qualify for the simplified issue plan, and have a waiting period.


So how do these prices stack up?

Almost every single one of the companies we work with will give you better rates than Open Care. These companies include Mutual of Omaha, American Amicable, Aetna, GCU, just to name a few.

Who Does Open Care Represent?

Open Care is an insurance agency not a company, meaning they sell insurance companies products as well. It is not clear who they work with however.

Their T.V. ad does not say who they work with either.

Is Open Care Legitimate?

It seems to us that Open Care is a trustable insurance agency, even with higher prices than normal.

There is no way of knowing which companies Open Care works with, so we can’t know if they will be able to find you the best prices, especially if you have significant health issues or prescriptions.

If you’d like to see comparable prices, you can fill out our quoter to see how the companies we work with stack up. We do not care which company you pick, just that you find the best price for you.

Furthermore, if you have a health issue like COPD or you are a smoker, we will 100% be able to find better prices for you than Open Care. Everyone’s health is different.

If you want honest independent advice, give us a call or fill out our quoter and we will go through all of your coverage options and find the best prices for you. That is the benefit of working with an agency that has access to many different companies.