Last Updated on: September 4th, 2025
Reviewed by Kyle Wilson
Choosing the right life insurance policy can be overwhelming, especially with so many providers competing for attention. Among the companies frequently mentioned in senior life insurance conversations is Open Care Life Insurance. Known for marketing affordable final expense coverage and simplified senior life insurance policies, Open Care appeals to individuals looking for accessible protection without complicated underwriting.
Get Free Quotes
Customized Options Await
Open Care Life Insurance is a national insurance agency that markets and sells life insurance policies, primarily targeting seniors who need final expense or burial insurance. Unlike a direct insurance carrier, Open Care typically works with multiple insurers and offers policies through partnerships.
A common question is: “Is Open Care Life Insurance legitimate?”
Yes, Open Care is a legitimate insurance agency. However, it is important to understand that Open Care itself is not an insurance carrier. Instead, it acts as a broker, connecting applicants with insurers that underwrite policies.
When evaluating legitimacy, it is essential to request policy details directly from the insurer underwriting the coverage, not just the agency.
Open Care markets itself as affordable, but costs vary depending on:
Premiums are higher for applicants with pre-existing conditions, though guaranteed issue options may be available at additional cost.
Whole life insurance policies marketed by Open Care often include a cash value component, though growth is limited compared to investment-focused insurance.
Reviews of Open Care Life Insurance are mixed. Many seniors appreciate the accessibility, but others prefer working directly with well-known insurance carriers for greater transparency.
Pros | Cons |
Easy approval with no medical exams. | Not an insurance carrier (broker role may confuse consumers). |
Coverage available for seniors, even with health conditions | Limited transparency on which insurer underwrites policies. |
Affordable final expense options compared to traditional whole life insurance. | Smaller coverage amounts compared to larger life insurance companies. |
Level premiums that do not increase with age | Mixed consumer reviews with some complaints about sales practices |
Open Care Life Insurance positions itself as a provider of affordable and accessible coverage for seniors seeking final expense and whole life insurance policies. While Open Care is a legitimate agency offering simplified options, prospective policyholders should carefully review the details of the insurer underwriting the coverage, not just the agency marketing it.
For seniors seeking a small policy to cover funeral costs, Open Care may provide a practical solution. However, individuals looking for higher coverage amounts, investment growth, or strong customer service may want to compare additional carriers before making a final decision.
By evaluating costs, understanding cash value, and reviewing consumer feedback, families can make a more informed choice about whether Open Care Life Insurance is the right fit for their needs.
Yes. Open Care is a licensed insurance agency that sells policies from partner insurers. It is not a scam, though consumers should confirm details directly with the insurer providing coverage.
For seniors, a $10,000 Open Care policy typically costs $40 – $90 per month, depending on age and health.
Cash value varies but generally accumulates slowly. After several years, it may be a few thousand dollars, depending on premiums paid and interest credited.
Yes. Whole life insurance policies build cash value, and policyholders can take loans or withdrawals. However, doing so reduces the death benefit and may trigger tax consequences.
Senior Writer & Licensed Life Insurance Agent
Iqra is a dynamic and insightful senior writer with a passion for life insurance and financial planning. With over 8 years of hands-on experience in the insurance industry, Iqra has earned a reputation for delivering clear, actionable advice that empowers individuals to make informed decisions about their financial future. At Burial Senior Insurance, she not only excels as a licensed insurance agent but also as a trusted guide who has successfully advised over +1500 clients, helping them navigate the often complex world of life insurance and annuities. Her articles have been featured in top-tier financial publications, making her a respected voice in the industry.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
Copyright © Burial Senior Insurance 2025. All Right Reserved.