What Is Open Care Life Insurance?
Open Care Life Insurance is a rapidly growing provider offering affordable life insurance plans tailored for seniors, people with health conditions, and those seeking final expense coverage. Open Care is not an insurance carrier itself but acts as a brokerage, helping individuals compare policies from several trusted insurers.
The company has gained popularity due to its low-entry requirements and compelling advertisements that promise guaranteed approval and no medical exams.
Open Care’s Life Insurance Products Explained
Open Care offers three main types of life insurance:
1. Term Life Insurance
- Temporary coverage (10–30 years)
- Available for younger applicants
- Typically offers higher coverage at lower premiums
2. Whole Life Insurance
- Permanent coverage that lasts your lifetime
- Premiums remain constant
- Builds cash value over time
3. Final Expense Insurance
- Designed to cover funeral and end-of-life expenses
- Low face amounts ($5,000–$50,000)
- Ideal for seniors aged 50–85
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Who Is Open Care Life Insurance Best Suited For?
Open Care is ideal for:
- Seniors aged 50–85
- Those looking for no-medical exam policies
- Individuals with pre-existing conditions
- People seeking funeral coverage or burial insurance
Its simplified application process removes barriers for those traditionally excluded from coverage.
How Open Care Stands Out from Competitors
Open Care’s unique value lies in:
- Guaranteed acceptance policies for seniors
- Instant quotes via phone or website
- Low monthly premiums starting as low as $7/month (based on limited benefit plans)
- Coverage from multiple top-rated insurers
Unlike some companies, Open Care helps customers compare rates and plans to find the most suitable match.
Coverage Limits, Benefits, and Riders
Policies range from $5,000 to $50,000 or more, depending on age, health, and plan type.
Common benefits:
- Immediate or graded death benefits
- Lifetime protection (for whole life plans)
- Cash value accumulation
Optional riders:
- Accidental death benefit
- Waiver of premium
- Child rider
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Open Care Life Insurance Reviews from Customers
⭐ Positive Reviews:
- Easy application with no medical exam
- Affordable monthly payments
- Great customer service
🚫 Negative Reviews:
- Misunderstanding of graded benefits
- Complaints about upselling or unclear terms
Review platforms:
- Trustpilot: Average rating of 4.2 stars
- Better Business Bureau: A- rating with several complaints mostly resolved promptly
Step-by-Step: How to Apply for Open Care Insurance
- Visit the Open Care website or call a representative
- Fill out a short questionnaire (age, gender, smoking status)
- Review available plans and rates
- Choose a policy and provider
- Submit identity and health verification
- Wait for approval (often same-day for simplified issue policies)
Open Care Pricing Overview
| Age Range | Monthly Cost (Final Expense, $10k Coverage) |
|---|---|
| 50–55 | $25–$40 |
| 60–65 | $35–$60 |
| 70–75 | $60–$90 |
| 80–85 | $90–$130 |
Factors affecting cost:
- Age
- Gender
- Tobacco use
- Coverage amount
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Pros and Cons of Open Care Life Insurance
✅ Pros:
- Guaranteed acceptance options
- Affordable premiums
- No medical exams for many plans
- Covers seniors up to 85 years old
❌ Cons:
- Limited policy amounts for seniors
- Some policies have graded death benefits for 2–3 years
- Not an insurance carrier (you buy through a third party)
Open Care and Final Expense Planning
Open Care’s Final Expense Plans are especially popular among seniors. These policies:
- Cover funeral costs, cremation, or burial expenses
- Provide peace of mind for families
- Don’t require a health exam
Many plans also pay out within 24–48 hours after a claim is approved.
Can You Get Life Insurance from Open Care with No Medical Exam?
Yes! Most Open Care plans are guaranteed issue or simplified issue, requiring:
- No doctor’s visit
- No lab tests
- Only health-related questions in some cases
Approval is usually fast, and coverage can begin within days.
Open Care Life Insurance vs. Other Providers
| Feature | Open Care | AARP | Colonial Penn | Globe Life |
|---|---|---|---|---|
| Age Range | 18–85 | 50+ | 50–85 | 18–80 |
| No Medical Exam | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Premiums Start From | $7/month | $10/month | $9.95/month | $3.49/month |
| Carrier | Varies | NY Life | Colonial Penn | Globe Life |
Open Care works with multiple insurers, offering more options but less control over who underwrites your policy.
Open Care’s TV and Online Advertising Claims
Their ads often say:
- “No medical exam”
- “Guaranteed approval for ages 50–85”
- “Coverage starts at $7 per month”
These claims are technically true, but often refer to limited coverage amounts and graded benefits. Always read the fine print and ask questions before buying.
Common Misconceptions About Open Care Life Insurance
- “All policies offer immediate full benefits”: Many are graded.
- “Open Care is the insurer”: It’s a broker connecting you with actual insurers.
- “Every plan costs $7/month”: That’s the lowest tier, usually for younger applicants.
Open Care Customer Service and Support Experience
- Phone support: Available weekdays
- Online support: Basic FAQ and email contact
- Languages: English and Spanish
Most customers report positive interactions with helpful and knowledgeable reps.
Open Care for Seniors Over 50, 60, and 70
Open Care markets heavily to:
- 50–60 age group: More affordable premiums, wider options
- 60–70: Final expense plans most popular
- 70–85: Fewer options, but guaranteed acceptance is still available
FAQs About Open Care Life Insurance
1. Is Open Care an insurance company?
No. It’s a broker that matches you with policies from real insurers.
2. Is it legit or a scam?
Legit, but you must understand the terms of the plans offered.
3. Does Open Care have guaranteed acceptance?
Yes, many of their final expense plans offer no medical exam and guaranteed issue.
4. Can I cancel anytime?
Yes, most policies have a 10–30 day free look period.
5. Does it cover pre-existing conditions?
Yes, but you may be subject to a graded benefit period.
6. How fast can I get coverage?
Sometimes the same day or within a few days for most plans.
Conclusion: Is Open Care Life Insurance Right for You?
If you’re looking for simple, affordable coverage—especially for final expenses or as a senior over 50—Open Care Life Insurance is a solid option. While it’s important to understand the fine print, customer reviews suggest it’s a trustworthy way to get coverage fast, even with health challenges. Make sure to compare plans and ask detailed questions to find the right fit for your budget and needs.
Visit NAIC’s website for verifying licensed insurance brokers and providers.
