Unveiling Essential Insights: What You Should Know About Open Care Senior Plan Reviews

Unveiling Essential Insights: What You Should Know About Open Care Senior Plan Reviews

September 28, 202313 min read

Decoding the Legitimacy of Open Care Senior Plan

Ever wondered about Open Care Life Insurance Company? They're more of an agency than a conventional insurance company!

But let's get down to business - how effective are the final expense plans they offer?

To keep you in the loop, we're diving into Open Care Life Insurance Reviews.

If you've perused other Open Care Senior Plan Reviews and pondered over the cost, we're delving deeper to unveil the reality.

In the quest for the perfect final expense plan, partnering with an independent insurance company that delivers top-notch life insurance is key. That's precisely what we do at BestBurialPolicy.com.

This post is your comprehensive guide to Open Care Senior Plan reviews, helping you determine its suitability. But remember, it's always wise to compare policies from various insurance providers, and we're here to assist you as your free agent.

Our Open Care Senior Plan Review equips you with the insight to navigate through the myriad choices, tailored to meet your loved one's needs.

Let's shed light on the Open Care Senior Final Expense Plans in general detail.

Open Care Final Expense Coverage Plans: Unveiling the Players

Meet Open Care Seniors, a trusted independent insurance company based in Florida, specializing in final expense life insurance sans medical exams.

Insights into Open Care Life Insurance Agency

Open Care Life Insurance Agency extends its services beyond just final expense insurance. They also cater to individuals with term life insurance needs and offer Medicare plan options for accidental death coverages, ensuring financial security for their clients.

The Open Care Senior Plan presents three distinct types of life insurance:

  • Final expense insurance

  • Term life insurance

  • Guaranteed issue life insurance

While term life insurance provides temporary coverage, it's worth noting that statistically, only 98% of term plans ever pay out, potentially leaving policyholders without coverage when they need it most. Open Care Senior Plan covers individuals aged 18 to 75, offering coverage ranging from $25,000 to $500,000.

Despite the challenges in gathering information about the company, our investigation unveiled intriguing details. Notably, Open Care Life Insurance Agency's extensive TV commercials emphasize exclusive benefits worth $25,000, available solely through their services – a testament to their effective advertising strategies.

Considering the diverse range of tariffs offered, starting as low as $7.49 per month, it's evident that Open Care Life Insurance Agency takes the financial needs of their clients seriously.

Another Gimmick? Also, READ THE FINE PRINT!!

Navigating Burial Insurance After a Stroke

Qualifying for burial insurance after experiencing a stroke is indeed possible, although it may present some challenges. Insurance companies meticulously assess applicants based on their health and medical history, and a stroke is considered a significant health event.

However, it's not all doom and gloom. Some insurance companies offer burial insurance with more lenient underwriting standards. They may be willing to consider applicants who have had a stroke, particularly if it occurred some time ago and the individual has since recovered well with stable health.

That said, individuals with a history of stroke may encounter higher premiums due to the perceived increased risk. Additionally, there might be a waiting period before the full death benefit becomes payable.

Navigating the complexities of obtaining burial insurance after a stroke can be daunting. That's why it's crucial to explore multiple insurance options and seek guidance from knowledgeable insurance agents. These experts can help you navigate the intricacies of the process and find the optimal coverage tailored to your specific needs and circumstances.

Demystifying the Process of Open Care Life Final Expense Plans

Open Care offers final expense plans with a death benefit payout of up to $50,000, providing lifelong coverage with fixed costs.

Having the assurance that your loved one's funeral expenses are taken care of brings invaluable peace of mind, making the process hassle-free and stress-free while also adding financial value.

Under the Open Care senior plan, there are two insurance alternatives available:

  1. Guaranteed Acceptance Plan: This option requires no response to health-related or medical inquiries. Regardless of current or past health conditions, approval is guaranteed.

  2. Simplified Issue Plan: Applicants in good health are guided through a simplified process. Basic information about health and medical history is required, similar to the process with AETNA/CVS Final Expense plans. These policies tend to be more affordable.

It's important to note that under the guaranteed acceptance plan, a 2-year waiting period applies before the full death benefit becomes payable. During this period, no death benefit payments are provided.

For individuals requiring home health care due to an inability to perform all activities of daily living, assistance is available. However, it's crucial to understand that while this option offers peace of mind, it typically comes with higher monthly costs, making it advisable to explore alternatives thoroughly.

Always scrutinize the fine print to ensure a complete understanding of the terms and conditions associated with the chosen plan.

Understanding Your Options: Types of Open Care Senior Plans and Qualification Criteria

Determining the type of Open Care senior plan suitable for you hinges on your medical qualification.

The Open Care final expense plan serves as a senior insurance option tailored for end-of-life needs. Unlike the standard Open Care plan, immediate coverage isn't granted upon approval.

This plan operates on a guaranteed-issue basis, meaning there are no medical questions involved.

While it provides comprehensive life insurance coverage, it may not necessarily be the optimal choice. For instance, Gerber Life offers a competitive guaranteed-issue policy, despite its association with infant food manufacturing.

Unlike policies that necessitate a second two-year waiting period before coverage activation, during which premiums are refunded with interest, our policy is offered primarily to customers with significant ailments such as dementia, cancer, kidney disease, or heart disease.

If you don't fall under these categories, opting for a two-year term waiting period policy might not be the most suitable choice. Instead, consider securing a level-benefit whole life insurance policy with reasonable premiums, such as Mutual of Omaha Living Promise, to cover funeral expenses effectively.

This approach ensures that you'll be prepared to handle funeral and other final expenses when the time comes.

As a nationwide insurance agency, we're dedicated to matching you with the insurer best suited to your specific circumstances, ensuring peace of mind and financial security.

Another Gimmick? Also, READ THE FINE PRINT!!

What Is Open care Term life Policy

Qualifying for burial insurance after a stroke is feasible, but it may be more difficult. Insurance companies evaluate applicants based on their health and medical history, and a stroke is considered a severe health event. However, certain insurance companies offer burial insurance with more flexible underwriting standards, and they may be ready to consider applicants who have had a stroke, especially if it occurred some time ago and the individual has made a satisfactory recovery with stable health since then. Individuals having a history of stroke may face higher premiums, and there may be a waiting period before the entire death benefit becomes accessible. It's a good idea to look into many insurance choices and engage with expert insurance brokers to help you manage the difficulties of obtaining burial insurance after a stroke and discover the best coverage for your specific needs.

Open Care Final Expense Insurance Plans, How Do They Work

Open care senior plans are burial insurance or final expense life insurance that offer peace of mind. It is just like standard life insurance from an insurance company, but with one significant exception: you are exempt from having to undergo a medical examination.

Simply purchase a policy, and you'll be good to go. It will cover everything, including cremation urns and headstones, so that there won't be any problems at the funeral home's front desk when a loved one passes away. like a Gerber life insurance policy.

Contrary to term life insurance, get the greatest burial insurance and never be concerned about outliving your death benefit.

Open Care Senior Plan Whole Life Final Expense offers the following:

  • No one may cancel permanent protection owing to old age or poor health as long as you pay your premiums (and don't pass away before getting elderly);

  • For EVER, no premium rises will apply! The finest burial policy is not to have any at any age; it is a long-term investment that can be used for today AND tomorrow.

  • First-day coverage provides total coverage regardless of a death's natural causes, such as cancer or an accident. Even though this is a discussion about life, who knows what can happen now, so why take a chance?

A wonderful approach to make sure that you have everything covered is to purchase burial life insurance. It's never too late to get peace of mind with an Open Care senior plan, which provides $5K to $50K in protection without a medical checkup.

What are Open care Final Expense Plans Cost

What is the price of Open Care? We will contrast Open Car rates with our best prices below.

The cost of an insurance will vary depending on a number of variables, including your medical history.

There's no need to worry about your costs increasing if you're in good health because they have a reasonable base plan accessible for $7.49 per month.

This applies to nonsmokers and those who quit smoking more than a year ago.

Prices start to rise for people who want more extensive medical care or who want coverage amounts beyond those offered by this fundamental plan, nevertheless!

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

The waiting period is the only thing you need to be mindful about. Open Care often and conspicuously promotes the fact that, for customers 85 years of age or younger, they cannot refuse a death benefit for their product.

A 2 year waiting period is always required by companies that sell guaranteed issue life insurance, which isn't too bad given that the majority of current policies provide at least this level of protection.

It's likely a good thing they didn't get an Open Care insurance if you lost a loved one who was 40 years of age or older because it stops them from having their death benefit disallowed.

Other last expense insurance providers are listed below.


Pros and Cons Of Open Care Final Expense Plan

Open care burial insurance is an excellent option for senior citizens looking for a way to pay for their funerals and cemeteries.

When you choose the Open Care Senior Plan, you will be assisted by a certified funeral director who will manage every aspect, including the viewing and burial.

You can choose from a number of plans depending on how much money you wish to set aside for funeral and burial expenses.

Cremation services, open-casket funerals, and caskets that may be personalized with family photos and other memorabilia are now available.

An open casket funeral can range in price from $5,000 to $10,000 per service, depending on whether it is held at home, in a funeral home, or in a chapel (plus any other fees).

You can even arrange an open-casket visitation before your funeral if none of your immediate family members can attend (or if they live too far away).

It can help you release any stress that has built up over the last 30 years as you dealt with the guilt and grief that came with your death.

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

Negative online evaluations seem to be the only way to determine for sure whether a company is reliable and trustworthy or not.

You are forced to believe them when they claim things like "we deliver amazing service" because there aren't any of those on their website.

In a world when terrible news seems unavoidable, we can never be too cautious about who we put our trust in!

That being said, having a variety of insurance providers offering comparable burial life insurance coverage will help ensure that you obtain a good deal without settling for a subpar product by evaluating specific offers from each provider before making your final choice.

American Amicable and AETNA CVS/Health from Accendo Life Insurance Company, as well as Mutual of Omaha, are two of our go-to life insurance providers.

Other carriers we work with include Guarantee Trust Life (up to age 90), Prosperity Life Group (only smokes considered tobacco rates), Liberty Bankers Life, and Prosperity Life Group (great for bipolar disorder/COPD, or chronic obstructive pulmonary disease).

Open Care Life Insurance Facts

Adults 18 to 75 years old can receive up to $25,000–$500k in brief term life insurance coverage under an Open Care life insurance policy.

Term life insurance policies are available through Open Care life insurance agency to applicants who meet certain medical requirements.

The Open Care Life Insurance Plan offers a short-term obligation coverage option, although most customers don't use it to pay for funeral costs.

There are no guarantees of acceptance, so check your eligibility before applying for Open Care Senior life insurance or an Open Care Final Expense Plan.

To be sure you qualify, read all Open Care Final Expense reviews.

The following are some significant aspects of Open Care Life Insurance:

  1. Our coverage area begins at 2000. $50,000 is the maximum amount of coverage available through Open Care Final Expense policies.

  2. Open Care Senior offers whole and term life insurance as well as senior housing coverage.

  3. Open care policies have a 2-year waiting time.

  4. To be eligible, you don't have to pass a medical examination.

  5. Seniors without life insurance are best served by an open care policy.

Is Open care Final Expense Plans Worth It?

How to compute is as follows: Consider a 60-year-old woman who decides to purchase $10,000 in final expenditure insurance. To make sure her family has $10,000 for any final expenses, she will contribute $32 per month. She will be susceptible to:

Death within two years: If our insured dies within the first two years of her policy, her family will be entitled to a lump sum payment of $10,000 even though she may have paid 24 x $32 = $768 in premiums.

Living to be 85 years old: If our insured had lived to be 85 years old, she would have paid $9600 in premiums (25 years x 12 months x 32 = $9600), but her family would have gotten a $10,000 payout instead.


In summary, the Open Care Senior insurance plan is a fantastic approach to protect your loved ones. The programmed offers a variety of economical coverage options.

This is an excellent choice if you're seeking for a cheap approach to cover your loved ones.

A team of knowledgeable, qualified agents at BestBurialPolicy.com is dedicated to locating the greatest life insurance coverage for you. In fact, regardless of your health or present state.

We have extensive knowledge in this area. In addition, we're committed to giving our clients the best support available.

We sincerely hope you find the knowledge in this page useful. Please contact us if you have any inquiries about our final expense plan.

We welcome your queries and can be reached at BestBurialPolicy.com or by phone at (855) 468-8900.

As a family-run independent agency, getting you the best value is our number-one priority. In order to maintain families' peace of mind, we emphasize no waiting time policies.

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