The Truth About Open Care Final Expense Plans Reviews

Open Care Final Expense Plans Reviews are an important matter because it is very helpful when you pre-plan your funeral.

It’s an emotional time when a loved one passes away, but it’s especially difficult when you have to take care of all the funeral expenses and remaining bills.

Not being prepared for this kind of situation can be quite stressful and, in addition to your emotions, can be very devastating, especially if you do not have additional financial support.

Open Care Final Expense Plans Reviews

If you’re fifty or older or have a family member for whom you’re responsible, it’s time to consider a plan to execute if you or your loved one passes away. It is even more feasible if there are failing health issues that could not be resolved.

It may be a dark topic to discuss, but Open care final expense plans reviews need to be addressed before the unexpected happens.

Open Care Final Expense Plans Reviews
Open Care Final Expense Plans Reviews

When a lingering illness brings you or your loved one to the hospital, then it’s time to think about putting all your assets in place and making arrangements for any unexpected death that may occur.

Open care final expense plans reviews are one of the most important things to consider when dealing with these issues.

Open Care Life Insurance for Seniors

If you have a loved one who is elderly or retired, you will want to start taking steps to obtain funds to use in the event of your loved one’s death. Funeral expenses are on the rise, so being prepared helps give you some kind of financial cushion when it comes time to deal with what comes after death.

Of course, it’s a problem that families avoid, then when faced with it, everyone scrambles to pool money together to bury their loved one, and then the battle begins over who will pay off the unpaid debts, which include credit cards, hospital bills, doctor bills, and more.

Usually, aging people may not want to discuss these issues either and may hide their financial obligations from their children as well as their spouses.

If you want to avoid surprises and any financial burdens your loved one may leave behind, it’s best to consider an Open Care Life Insurance for Seniors policy to provide some peace of mind.

Open Care Final Expense Coverage

Since final expenses are designed for seniors, it is generally easier to qualify for them than traditional term or permanent life insurance plans. You won’t have to pass a medical exam to be considered eligible, and approval is quick in most cases.

The final expense is usually some type of permanent life insurance, which means you’ll be covered for your lifetime as long as you continue to pay your policy premiums.

Once you’ve purchased a Open care final expense policy, your insurance company is obligated to cover you no matter what happens with your health.

There are two main types of Open care final expense coverage:

Simplified Issue

Simplified issue is considered the best type of permanent insurance for people with minor health issues who may not qualify for traditional plans. Instead of a medical exam, applicants answer a health questionnaire as part of the approval process.

This allows the insurer to assess the level of risk and determine your premium rates and coverage options. With a short application and no test results to wait for, you can often get approval on the spot.

Simplified issue is also generally the most affordable type of final expense insurance and offers higher coverage amounts than other no-exam policies.

Open Care Final Expense Insurance
Open Care Final Expense Insurance

Guaranteed Issue

The guaranteed issue works best for people with serious medical conditions who cannot qualify for any other type of insurance. This plan is issued quickly with no medical exams, health questions, or other health requirements.

Because the risk is higher, these plans typically offer lower coverage amounts and you can pay significantly more for your coverage than a simplified issue plan.

But if you’ve been declined for other policies for health reasons, Guaranteed Issue can help you get the protection you and your family need.

Final Expense Insurance

Final expense insurance is a whole life insurance policy that has a small death benefit and is easier to get approved. End-of-stay expense insurance is also known as “funeral insurance”, “burial insurance”, “simplified issue whole life insurance” or “modified whole life insurance”.

All are marketing terms that the insurance industry uses to sell small whole life insurance policies with a face value (death benefit) of $2,000 to $50,000.

Planning is the best way to enjoy life and make sure others enjoy it too. In planning, many people tend to forget a very critical aspect: insurance policies.

Among the different types of insurance policies, final expense insurance has grown in importance in recent years. In this fast-paced world, you need help every step of the way. And this help can take many forms.

Open Care Senior Plan Cost

Firstly if you’ve seen an ad saying you pay as little as $7.49, don’t expect to pay that amount. It’s just a marketing strategy.

Below are some of the approx rates that will give you an idea of how much the Open Care Senior plan cost. Keep in mind these approx rates are for male, non-smokers, $10,000 simplified issue whole life.

AgeRates
50$35
60$55
70$75
80$145
Open Care Senior Plan Cost

Open Care Insurance

Open Care is an independent insurance agency that airs numerous television commercials emphasizing that anyone can get up to $50,000 in life insurance for final expenses.

They mainly sell final expenses, but it seems they also provide ancillary Medicare products.

How It Works?

Open Care insurance policies offer coverage amounts up to $50,000.

The average funeral costs around $10,000 today, so getting at least that amount will give your family peace of mind when planning your funeral.

You can apply for coverage online and it takes less than 5 minutes to complete the application.

You will provide your personal identity information, beneficiary information, basic information about your height and weight, smoking history, medications you take, and basic medical history.

Open Care Final Expense Plans Commercial

So many companies with their postcards, TV spots, online ads, and the list goes on. It is useful to us because it gives a basic idea of the prices of open care plans for the elderly.

Open Care Final Expense Plans Commercial
Open Care Final Expense Plans Commercial

Conclusion

If the family or senior has no problem finding the money for the funeral, you may not need this type of insurance.

But funerals can be very expensive, and it can be difficult to come up with thousands of dollars to pay for burial grounds, funerals, and other associated expenses. And also need a basic idea about final expense plans by the senior final expense reviews and quotes.

An Open care final expense plan can be an affordable way to plan for this. And Open care final expense plans reviews will help you to choose the best final expense plan for you.

Open Care Final Expense Plan Cost

Open Care Final Expense Plan Cost

If you don’t have life insurance or enough money to set aside for your loved ones to cover your final expenses, things can get expensive for them very quickly.

What if they don’t have the funds?

A final expense plan provides the funds your loved ones need at affordable costs.

Check out our article Open Care final expense plan cost and see how they compare rates.

Open Care Final Expense Plan Cost

As your loved ones age, it’s important to be prepared for the inevitable. You never know when the time will come when you have to make decisions about their care and what they want.

That’s why you should turn to opencare final expense insurance to protect your family. Overall, the best way to find the right final expense plan is to go through an independent insurance agency that offers a quality final expense insurance plan.

Open Care Final Expense Plan Cost

This review of Open Care final expense plans helps you understand all the options available with a plan tailored to your loved one’s needs.

Whether they’re looking for coverage in case something happens or they just want peace of mind knowing that if they die, their family won’t have unexpected expenses on top of their bereavement –

Open Care Seniors has a plan that is perfect for anyone over 65.

Here is our overall review of the Open Care Senior Final Expense Plans.

Who are the Open Care Seniors?

Open Care Seniors is an independent insurance agency. It is based in Naples, Florida, and primarily sells final expense life insurance. They also sell term life insurance, accidental death, and health insurance-related products. It’s hard to find information about them, but our research revealed that they are a legitimately licensed insurance agency.

They run many national TV commercials that claim you are entitled to $25,000 in final expense coverage.

Their website highlights incredibly low prices, such as “rates start at $7.49 per month”. Similar to the $9.95 Colonial Penn plan, you shouldn’t take pricing seriously.

Open Care Life Insurance Reviews

Open Care life insurance is popular with seniors because of its affordability, lower benefits, and focus on funeral expense coverage. And open care life insurance reviews get benefited to you.

Traditional life insurance policies such as term insurance are primarily intended to replace any lost income upon the death of a loved one.

Open Care Final Expense Plan Cost
Open Care Final Expense Plan Cost

These policies are most important for families during the early years when we work, pay mortgages, make car payments and raise our children.

Once we’re retired, paid off the mortgage, and the kids are out of the house, traditional life insurance policies aren’t as necessary. What we need is a way to pay for all the expenses we leave behind when we pass.

According to the National Funeral Directors Association, the median funeral cost can exceed $9,000. With no means to pay for these expenses, surviving loved ones often experience a financial burden during a period of intense grief.

Many of us have experienced the death of a loved one and remember how stressful it was to juggle our grief, funeral planning, and the financial obligations we had.

The idea that our spouse or our children are going through the same experience is unbearable. So Look at the open care life insurance reviews, and choose the right one without wasting time.

Open Care Funeral Insurance

Funeral Insurance, also known as Burial or Final Expenses. Open care funeral insurance is a useful tool for loved ones paying for a deceased family member or friend’s funeral, memorial service, headstone, urn, and other final expenses.

Open care funeral insurance is essentially a life insurance policy, but with a much lower benefit amount than traditional life insurance.

It is usually purchased to cover final arrangements, but can also be used to pay debts of the deceased, including medical bills, credit card bills, mortgages and personal loans.

If you think you and your family could benefit from Funeral insurance, getting a free quote for an open care funeral insurance policy is quick and easy.

Opencare Senior Plan

If you are currently between the ages of 18 and 85, you can choose from one of three Opencare Senior Plan options (or any combination thereof): TERM LIFE (18-75), GUARANTEED ISSUE LIFE (issue 25 – 85), and FINAL EXPENSE WHOLE LIFE (18-85 years).
Term coverage is a term (10, 20, or 30 years) while whole life (including guaranteed issue) is coverage FOR LIFE.

Opencare senior plan options are available based on age, condition, smoking habits, and current health.

Opencare Senior Plan
Opencare Senior Plan

But at the end of the day, YOU CAN NOT DENIAL YOURSELF OF COVERAGE – in the worst-case scenario, even if your health is not good, you are still eligible for a guaranteed issue plan (25 to 85).

Open Care Final Expense Plan Cost

Below are examples of Open care seniors monthly rates. As you can see, the open care final expense plan cost increases dramatically with age. Most seniors get coverage as soon as possible so they can get a lower rate.

Sr NoAgeFemale Monthly RateMale Monthly Rate
150$27-$40$32-$48
255$30-$45$36-$56
360$35-$52$44-$68
465$42-$65$56-$76
570$54-$82$75-$94
675$75-$110$101-$132
780$94-$154$127-$190
885$107-$172$144-$225
Open Care Final Expense Cost

*Rate estimates based on standard health status and No smoking.

Open Care Final Expense Coverage

Opencare final expense insurance policies offer coverage amounts up to $50,000.

The average Open Care final expense plan cost around $8000-$10,000 today, so getting at least that amount will give your family peace of mind when planning your funeral.

You can apply for open care final expense coverage online and it takes less than 5 minutes to complete the application.

For open care final expense coverage, you will provide your personal identity information, beneficiary information, basic information about your height and weight, smoking history, medications you take, and basic medical history.

How much you buy depends on how much your family will need for final expenses and what you can afford. The younger you are at the time of application, the lower the premiums you will pay.

Best Final Expense Insurance Companies

The best final expense insurance companies name, ratings, and eligible ages for burial insurance are given below.

Sr NoCompany Ratings Eligible Ages for Burial Policy
1State Farm4.5 Star50 to 80
2AARP5 Star 50 to 80
3Mutual of Omaha4 Star 45 to 85
4Transamerica3 Star 15 days old to 85.
5AIG3.5 Star 50 to 80
6Foresters Financial3 Star 50 to 85
Top 6 Final Expense Insurance Companies

Open Care Senior Plan Commercial

You’ve probably seen ads for open care senior plan final expenses plan on TV and wondered what it was all about. The rates they advertise are incredibly low and often make people wonder if they are legit.

Open Care Final Expense Commercial
Open Care Final Expense Commercial

The Open Care Senior plan offers affordable plans with no medical exams. They make it easy for people of all ages to get life insurance coverage, but they focus on older people.

Open Care Final Expense Insurance

Open care senior plan is final expense insurance or funeral insurance that offers the ultimate peace of mind. Open care final expense insurance is like regular life insurance from an insurance company. But with one important difference, you don’t have to take a medical exam.

Just buy a policy of open care final expense insurance and go – it’ll cover everything from headstones to urns for cremation ceremonies. So when a loved one dies there will be no unanswered questions, reception at their funeral home. Just like a Gerber life insurance policy.

Get the best funeral insurance and never worry about outliving your death benefit, unlike term life insurance.

Open Care Senior Plan Final Expenses Lifetime provides:

  • Permanent protection, as long as you pay your premiums, no one can cancel due to age or health issues.
  • No bonus increase to LIFE! The best burial policy is designed to have none at all ages – it’s an investment for today AND tomorrow and forever.
  • It covers the full first day, whether from natural causes like cancer or accidental death. Even though we’re talking about life here, but hey, who knows what else could happen, so why take chances.

Funeral life insurance is a great way to make sure all your bases are covered. An open care final expense insurance that offers between $5,000 and $50,000 of protection without a medical exam, so it’s never too late to get peace of mind.

Opencare Final Expenses

Before the potential policyholder pays the required amount to the insurance company, it is recommended that they obtain a quote that will enable them to know exactly what to expect and how to prepare.

It is possible not to leave the family with cumbersome expenses after the death of a member. These negative experiences can be avoided if people can heed the common saying that “prevention is better than cure”.

But basically, the problem remains that of information and illustration. Many people have a wrong perception of covering final expenses.

Conclusion

Open Care final expense plans provide peace of mind for people concerned about their funeral expenses and final medical care expenses.

People who cannot find perfect life insurance with lower monthly premiums and good death benefits can also purchase this insurance plan.

On top of that, if you’re having a hard time finding an insurance policy just because of your age and health, now you need to look no further.

The Open Care burial plan is ideal for all seniors. All of you need to know Open Care final expense plan cost and just compare.

FAQ

How Much is the Open Care Final Expense?

Your exact rate depends on your age, medical condition, and the amount of coverage you purchase. Typically, the cost of final expense coverage typically ranges between $50 and $100 per month for a $10,000 policy.

Is Final Expense Insurance a Good Deal?

It is the most cost-effective way to cover burial costs and all other expenses you provide for your loved ones. However, if you absolutely need financial protection and your age or medical condition would prevent you from obtaining traditional coverage, a final expense life insurance plan may be worth considering.

How does Open Care Make Money?

Revenue is to be derived from premium subscription packages which allow practitioners and clinics to pay fees for each patient who books an appointment through the service.

With OpenCare, patients are free to do their own research and choose the provider and availability that’s right for them.

Best Opencare Final Expenses Plan 2022

Best Opencare Final Expenses Plan 2022

If you’re looking for the best Opencare final expenses plan, you’ve come to the right place.

Discover the Opencare final expenses program here, which helps you find the ideal insurance, whatever your age and state of health.

Read the article further to understand the benefits, features, and several other elements of this plan that provides you with a peaceful life.

Best Opencare Final Expenses Plan

Suppose you are retired early and do not have an early retirement health insurance plan with your employer. Plus, you don’t even have individual life insurance coverage or enough savings.

What will you do to manage your final expenses or medical care? If you don’t want to leave any burden on your family after your death, you need to think about opencare final expenses Plan .

Best Opencare Final Expenses Plan

In this case, you will contact a insurance agent and begin your final expense insurance process, which includes some basic questions about your general health.

Usually, the death benefit is great, but the monthly premiums are more than you can afford due to health and age.

Thus, it will be difficult to find a policy with a death benefit and high insurance premiums. At this point, most people give up and think they can’t get life insurance.

The opencare final expenses plan solve your problem. The Open Care insurance company has implemented this plan to help seniors at risk for serious medical problems.

Therefore, the elderly can purchase a policy of open care final expense even if they are in poor health.

How Do Opencare Final Expenses Plans Work?

Open Care funeral plans are available for up to $50,000 in coverage, and no medical exam is required. It is a whole life insurance policy where the prices do not increase over time and the coverage does not decrease. The policy will never expire and it creates cash value.

They have the choice between two options:

Guaranteed acceptance: You are not required to answer health questions. Everyone, regardless of their health, is guaranteed to be approved.

Simplified question: No exam is required, but you answer the health questions. Qualification is based on your medical history.

Best Opencare Final Expenses Plan
Best Opencare Final Expenses Plan

In exchange for the guaranteed approval option, this plan has a 2-year waiting period before you are insured. During the waiting period, the insurance company will not pay a death benefit.

Instead, they would simply reimburse your premium payments plus interest (the interest is on your premiums, not the death benefit).

Open care Final Expense Plans Cost

First, don’t expect to pay $7.89 per month. This price is for a healthy, non-smoker woman who purchases a blanket for $2,500. According to their website, they claim that $8,500 coverage will cost $23 to $275 per month. Your open care final expense plans cost exactly depends on your age, your medical condition, the amount of coverage you purchase.

The cost of open care final expense insurance coverage typically ranges from $50 to $150 per month for a $10,000 policy.

Below is a table (the rates are taken from their website) that shows exactly how much Opencare funeral insurance plans cost.

Sr NoAGEFemale Non SmokerMale Non Smoker Female SmokerMale Smoker
140$17$19$21$24
250$21$25$29$34
360$29$37$41$51
470$43$61$59$97
580$83$111$103$167
690$187$231$223$257
Opencare Final Expenses Plans Cost

Final Expense Companies

The top 4 final expense companies names are given below:

Mutual of Omaha

Mutual of Omaha has a final expense insurance policy that not only provides your loved ones with money for final expenses but also creates cash value.

You can use the cash value during your lifetime to use it for medical expenses or other major expenses. You will be able to apply between the ages of 45 and 85 and have coverage up to $40,000.

Mutual of Omaha requires a background check on your health and they will also review your medical records/prescriptions.

The policy also includes an accelerated death benefit, so if you are diagnosed with a terminal illness, you can access the funds sooner.

Transamerica

Transamerica offers a variety of final expense policies. All three policies are guaranteed at issue and no medical examination final expense insurance and also offer coverage between $1,000 and $50,000.

They have streamlined requirements, no waiting period, even for people with COPD and kidney disease, and are available for people under 85 (payable up to age 121).

Gerber’s life

If your health isn’t perfect, Gerber Life has some great end-expense policies.

You don’t even have to worry about medical exams or health questionnaires. Gerber Life offers policies from $5,000 to $25,000 at some of the lowest premiums.

However, unlike Transamerica, they have a 2-year waiting period. The only way your beneficiaries would be paid if you died within 2 years is if it was an accidental death.

Gerber Life policy premiums never increase and stay in effect as long as you pay the premiums.

AIG

If you are between 50 and 80 years old, you may be eligible for AIG’s final expenses insurance.

Their policy limits are lower ($25,000), but you can purchase a policy for yourself, your parents or your grandparents to offset the costs of their final expenses.

AIG offers a terminal illness rider on each final expense policy at no additional cost.

This is a great advantage if you become terminally ill, as you can access policy benefits while you are alive to cover the cost of your medical bills.

Open care Burial Insurance

OpenCare Seniors markets two types of final expense insurance products for people aged 40 to 90.

Opencare Burial Insurance
Opencare Burial Insurance
  1. Whole life insurance with first day coverage

Available age: 18-85
Amount of coverage you can purchase: $2,500 – $50,000
Death benefit scale: in effect on the first day, no waiting period

  1. Guaranteed issue funeral insurance with a two-year waiting period

Available age: 18-85
Amount of coverage you can purchase: $2,500 – $25,000
Death benefit scale: full death benefit after two years (two-year waiting period)

The final expense insurance plans they sell are a streamlined matter and do not require applicants to undergo a medical exam or submit urine and blood samples.

Simply answer a series of health questions, and your answer to the health questions will determine which plan you qualify for.

Your open care burial insurance premium will depend on your gender, age, health, and the amount of coverage you want.

Pros

First-day coverage plan available – you must be in perfect health to qualify.

Apply online – but you can’t get rates without providing a phone number and email address for a salesperson to call and try to sell you a plan.

Cons

They are not an insurance company – OpenCare Seniors is a national insurance brokerage company. They don’t buy insurance; they only sell insurance products from other insurance companies.

Not transparent with the companies they sell – their website does not list the insurance companies they sell.

4 year retrospective period – they have a four-year retrospective period for cancer, kidney disease, lupus, and bipolar disorder. Most of the insurance companies we work with have a two-year review period on these terms.

They advertise very low rates – the very low rates they are showing are for a 50-year-old woman who wants $2,500 coverage.

Opencare Senior Plan

Open Care Seniors is an independent insurance agency based in Naples, Florida that primarily sells final expense life insurance. They also sell term life, accidental death, and health insurance products. But opencare senior plan is best out of them.

It is difficult to find information about them, but our research revealed that they are a legitimately licensed insurance agency.

They run a lot of national TV commercials that claim you are entitled to final expense coverage of $25,000.

Their website highlights incredibly low prices, such as “rates start at $7.89 per month.” Similar to the Colonial Penn plan at $9.99, you shouldn’t take the rates seriously.

 Opencare Final Expense Plans
Opencare Final Expense Plans

Under no circumstances should you expect to pay $7.89 per month for coverage (or any price close to that) if you choose to purchase an Open Care final expenses plan.

Also, read the top 7 open care final expense insurance plans.

Open Care Final Expense Coverage

As we mentioned, open care final expense insurance allows our family to cover the most common expenses of our death, such as:

  • Funeral services.
  • Coffin, tombstone, vault, and flowers.
  • Burial or cremation.
  • Transport.
  • Debts and legal services.
  • Loans or mortgages.

Open Care Final Expense Plans Reviews

We all need a final expense plan that reduces our families’ financial loss upon death. However, the elderly and those in poor health are those most in need of open care final expense plan for seniors.

Currently, the average cost of a funeral can range from $9,500 and up; this without counting the costs of transport, flowers or tombstone.

In general, we have all experienced the death of a partner or loved one. Thinking about this moment, we can remind ourselves of how painful it can be. It can also become a much more painful situation if you don’t have the resources to give yourself a dignified farewell.

So without wasting time choose an Opencare final expenses plan which gives peace of mind to the individuals worried about funeral expenses and final medical care expenditure.

Also, read Open care senior plan reviews and rates.

Opencare Life Insurance

The insurance agency has a senior plan with a limit of $25,000 to $500,000 for adults ages 20 to 75. The Opencare life insurance policy is term insurance that is only available to those who are already medically qualified.

While most people don’t use this plan to cover funeral expenses, OpenCare has a great tool for covering temporary obligations like living expenses.

For example, if you happen to die before your mortgage is paid off and you have term life insurance plans that provide full benefits for the entire term.

However, there is no guaranteed acceptance option, so it’s important to check your eligibility before applying.

If you’re looking for life insurance for your grandparents, be sure to shop around to cover final expenses. So choose opencare life insurance, that is better for you.

Conclusion

Open Care final expense plans provide peace of mind for those worried about their final funeral expenses and medical expenses.

People who are unable to find perfect life insurance with lower monthly premiums and good death benefits and medical benefits can also apply for this insurance plan.

Plus, if you’re having trouble finding a final expense insurance policy in cheap rates exclusively because of your age and medical condition, you don’t need to look any further.

The Open Care Senior Final Expense Plan is ideal for every senior. All you have to do is visit our website to research your options.

FAQ

Is OpenCare Seniors Insurance Expensive?

Yes, you might be paying too much if you get Open care final expense plans for seniors or a guaranteed issuance plan.

A 70-year-old woman wanting $ 10,000 in coverage will pay $65 with OpenCare.
The same 70-year-old woman who wants $ 10,000 will only pay $57 with other companies we work with.
She would overpay $ 83 in one year, which would cost $ 740 in 10 years.

Do You Need a Medical Examination to Qualify for Open Care Seniors life insurance?

No, you do not need an Open Care medical examination to be eligible for OpenCare Seniors life insurance plans.

Do Older People in Open Care Ask Questions about Health?

Yes, the Open Care Senior Life Insurance Plan and Term Life Insurance Plan pose health questions as part of their pricing.

Do Seniors in Open Care have a Waiting Period?

Yes, the Open Care Seniors Guaranteed Issue Life Insurance Plan has a two-year waiting period. You can see it written on their television commercial in the fine print.

What is Opencare Senior Plan?

The senior Open Care plan is whole life insurance. Opencare final expenses plan provides a fast cash payment to ensure your family can pay for your final expenses. Coverage ranges from $2,500 to $50,000, no exam is required and no one can be turned down.

What is the Final Expense Insurance Policy?

The final expense is a smaller permanent life insurance policy typically intended to help the elderly with funeral and other final expenses. Since the coverage amounts are lower than other types of life insurance, such as term or permanent insurance, the premiums for a final expense policy tend to be affordable.

Best Opencare Final Expenses Plan 2022