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Open Care Life Insurance Review: Rates, Plans, Complaints, and Alternatives

Last Updated on: September 2nd, 2026

Reviewed by Kyle Wilson

Open Care is one of the most heavily advertised names in senior final expense insurance, with ads promising rates as low as “$7.49 per month” and coverage with “no medical exam.” What those ads don’t make obvious up front is that Open Care isn’t actually an insurance carrier, it’s an independent marketing agency that connects consumers with third-party insurers who underwrite the policy and pay the claim. This review breaks down how Open Care actually works, what coverage really costs, what complaints show up most often, and how it stacks up against comparing carriers independently.

What Is Open Care Life Insurance? Agency vs. Insurance Carrier

Understanding Open Care: How the Senior Plan Agency Works

The broker agency model is the most important thing to understand before calling any number on an Open Care ad. Open Care doesn’t underwrite policies or pay out claims itself; it’s a lead-generation and brokerage operation, based in Florida, that gathers applicant information and routes it to third-party insurance carriers who actually issue the policy. Multiple independent reviews confirm Open Care is a licensed, legitimate agency, even though its marketing has drawn criticism for being misleading.
Target audience: Open Care’s marketing is squarely aimed at seniors, generally between the ages of 50 and 85, who are shopping for burial, final expense, or simplified whole life coverage.
The marketing reality check matters most here. That widely advertised “$7.49 per month” rate isn’t a starting price for a typical policy; it reflects a small $2,000 coverage amount for a younger, healthy non-smoking applicant, not the kind of $10,000–$25,000 final expense policy most seniors are actually shopping for. The National Association of Insurance Commissioners has issued consumer guidance around exactly this kind of practice, encouraging shoppers to understand the distinction between a lead-generation agency and the carrier that actually holds the risk and pays claims, and to ask directly which company will be issuing any policy before enrolling.

Open Care Senior Plan Options and Coverage Types

Types of Open Care Final Expense Life Insurance Plans

Open Care’s partner carriers generally offer coverage through a small handful of plan structures:

Level Benefit Whole Life (Simplified Issue): Requires answering a handful of basic health questions, but no medical exam. Approved applicants typically get immediate, Day 1 death benefit coverage.
Guaranteed Acceptance (Guaranteed Issue): No health questions and no exam at all, but it comes with a two-year graded waiting period if the insured dies of natural causes within that window, beneficiaries typically receive a return of premiums paid plus interest rather than the full death benefit.
Policy terms across these final expense products generally include fixed premiums, coverage that doesn’t get canceled for age (often up to 120), and modest cash value accumulation, consistent with standard whole life insurance features.

Policy Type	Medical Exam	Health Questions	Waiting Period	Best For
Simplified Issue (Level)	None	Yes (5–10 basic questions)	None (Day 1 coverage)	Seniors in average to good health seeking lower rates
Graded Benefit Plan	None	Yes (includes minor conditions)	Partial payout (1–2 years)	Seniors with moderate health issues
Guaranteed Issue	None	None	2-year waiting period (return of premium + interest)	Seniors with more serious pre-existing conditions

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Open Care Life Insurance Cost Per Month for Seniors

How Much Does Open Care Life Insurance Cost?

Pricing determinants for any final expense policy sold through Open Care’s network include age, gender, tobacco use, overall health class, and the coverage amount chosen, which commonly ranges from around $5,000 up to $25,000 or more.
Why teaser rates differ from real quotes comes down to how the advertising is structured. The eye-catching low rates in Open Care’s ads apply to minimal coverage amounts for younger, healthier applicants, not the realistic senior burial policies most callers end up being quoted, which typically land somewhere between roughly $40 and $165+ per month depending on age and health.

Sample rate table ($10,000 level benefit whole life estimate):

Age & Gender	Monthly Cost (Non-Smoker)	Monthly Cost (Smoker)
Age 60 Male	$40 – $52	$60 – $80
Age 60 Female	$32 – $42	$48 – $65
Age 70 Male	$65 – $88	$95 – $130
Age 70 Female	$50 – $68	$72 – $98
Age 80 Male	$120 – $165	$175 – $230
Age 80 Female	$92 – $128	$130 – $175

These are general planning ranges, not guaranteed quotes; actual pricing depends on which carrier ultimately issues the policy and the applicant’s specific health answers.

Customer Reviews, BBB Complaints, and Consumer Warnings

Is Open Care Life Insurance Legit?

BBB Ratings and Complaints

On legitimacy: Open Care is a licensed agency, and the policies sold through its network come from real, regulated insurance carriers. It is not a scam in the sense of taking money without delivering a product but the way it’s marketed has drawn consistent criticism.
Common complaints that show up across independent reviews include persistent telemarketing follow-up calls after submitting contact information, confusion over which carrier is actually issuing the policy (something applicants often don’t learn until after they’ve been approved), and frustration that the advertised teaser rate bears little resemblance to the quote they actually receive. Open Care Senior Plan itself has little public review history and is not accredited by the Better Business Bureau, which makes it harder for prospective customers to independently verify service quality before signing up.
The distinction between platform and insurer matters for complaints specifically. Any frustration with pushy marketing or confusing sales calls is squarely an Open Care issue. But once a policy is issued, the obligation to pay a claim rests entirely with the underlying carrier not with Open Care itself so it’s worth confirming the exact carrier name on your paperwork and keeping their contact information on file.

How to Secure Reliable Senior Life Insurance Coverage

Comparing Third-Party Carriers with Independent Agencies

Shopping independent brokerages directly, rather than relying on a single marketing platform, tends to surface better rate matches, since different carriers price the same health profile differently.
Ensuring immediate coverage is worth prioritizing when health allows a simplified issue policy with Day 1 benefits is generally preferable to a guaranteed issue plan with a two-year waiting period, unless health conditions make guaranteed issue the only realistic option.
Protecting family finances is really the end goal here. A properly matched final expense policy pays a tax-free cash benefit that can cover burial or cremation costs, medical bills, or other outstanding debts, without the family having to pay out of pocket while a claim processes.

This is where Burial Senior Insurance takes a different approach than a broad lead-generation platform. Rather than funneling every caller into a generic queue, Burial Senior Insurance advisors compare rates across multiple top-rated carriers directly, so you know upfront which company is issuing your policy and what your actual monthly rate will be, based on your real health profile rather than a teaser ad.

Conclusion

Open Care does offer access to legitimate final expense policies through real, licensed third-party carriers but its advertising can create real confusion about actual monthly costs and which company you’re ultimately signing with. Seniors shopping for burial insurance deserve clear, upfront answers about pricing and underwriting before they enroll.

Burial Senior Insurance operates as an independent agency focused on putting your family’s needs first. Rather than routing you into a generic lead queue, experienced advisors compare top-rated life insurance carriers across the country to find locked-in rates and, where your health allows, immediate Day 1 coverage tailored to your actual profile. Contact Burial Senior Insurance today for a free, personalized senior life insurance quote.

FAQs

Is Open Care Life Insurance a legitimate insurance company?

Open Care is a legitimate licensed marketing agency and brokerage, but it is not an insurance carrier itself. It connects consumers with third-party life insurance companies that actually issue policies, handle underwriting, and pay out death benefits.

How much does Open Care Life Insurance cost per month?

While ads feature rates starting around $7.49 per month, that reflects minimal coverage for a young, healthy applicant. Realistic costs depend heavily on age, gender, health, and coverage amount. A standard $10,000 final expense policy for a 70-year-old generally runs somewhere between roughly $50 and $88 per month.

Does Open Care offer plans without a medical exam?

Yes. The policies offered through Open Care's partner carriers are typically simplified issues (health questions, no exam) or guaranteed issues (no health questions and no exam).

What is the catch with guaranteed acceptance plans?

Guaranteed issue plans accept applicants regardless of health, but they include a mandatory two-year graded waiting period. If the insured passes away from natural causes during that window, beneficiaries typically receive a return of premiums paid plus interest rather than the full death benefit.

How do I know which third-party carrier actually holds my policy?

When purchasing through a brokerage or lead platform like Open Care, your formal policy paperwork, monthly billing statements, and any claim documents will display the name and contact information of the actual underwriting insurance carrier. It's worth confirming this detail before you finalize enrollment.

Jazmine Cooke

Senior Writer & Licensed Life Insurance Agent

Jazmine Cooke 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, Jazmine Cooke 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.