Open Care Life Insurance Review: SCAM or NOT? Hard To Believe!
last updated on November 4, 2025Open Care Seniors isn’t actually an insurance company.
They don’t issue policies, set rates, or pay claims. Instead, they are a marketing brokerage that collects your personal information and then places you with one of several insurers they work with.
You will likely have little to no input on what insurance company you get placed with, and it may not be your best or most preferred option.
On their own website, they list companies like Aetna, Mutual of Omaha, Gerber, AIG, and Transamerica. That means you likely won’t know which company you’re applying with until after you’ve gone through their approval process.
Think about it like this: if you walked into a car lot and the dealer said, “We’ll find you a car, but we won’t tell you the make or model until after you sign some paperwork,” you’d walk out. Many shoppers feel the same principle should apply to Open Care.
WHAT IS OPEN CARE SENIOR PLAN?
Open Care Senior Plan sounds like a life insurance company, but it’s not. It’s a marketing brand designed to collect and sell leads to other agents.
When you call the number or respond to one of their TV or mail ads, you’re not speaking with an insurance company. You’ll end up speaking with a call center representative whose job is to capture your personal information.
The name “Open Care Senior Plan” gives the impression of a government-approved or “state-regulated” program. Many would say that impression deception is intentional.
Legitimate life insurance companies and plans are regulated by your state’s Department of Insurance, but none of them are government-funded or government-endorsed. Open Care seems to use this deceptive language of “regulation” to create a sense of official legitimacy.
Their ads make broad promises, such as “up to $30,000 for funeral costs” or “coverage guaranteed for seniors over 50.”
These statements are technically accurate but highly misleading. The coverage they advertise is usually guaranteed-issue whole life insurance, which accepts everyone but includes a MANDATORY two-year waiting period.
The real insurance company behind your policy, from companies such as Mutual of Omaha, American Amicable, or another more expensive third-party insurance company, handles the actual underwriting and claims.
Open Care itself has no financial rating, no claims department, and no authority to approve coverage. It simply markets and transfers leads to licensed agents who finish the sale.
So while the policies themselves may come from real insurers, the Open Care brand is not the insurer. It’s a middleman operation that profits every time a senior responds to its expensive media ads.
HOW OPEN CARE SENIOR PLAN ACTUALLY WORKS
Here’s how the process plays out step by step.
You see an ad on TV or receive a mailer claiming you can get affordable coverage regardless of health, often using phrases like “state-regulated benefits” or “coverage guaranteed for everyone over 50.”
You are advised to call the number or fill out the form, after which your information is sent to a national call center.
At that point, the person you’re talking with is often just a salesperson reading from a script. Their goal isn’t to find the best policy for you; it’s to get you approved by any carrier that will accept you and pay the call center the highest commission.
Far too often, the only thing they will recommend to you is a guaranteed-issue policy because they’re easier to underwrite and sell. These plans require no medical questions, so approval is instant.
The catch of that “guaranteed approval”? You’re not covered for natural causes during the first two years. If you die within that window, your family will only receive a refund of your premiums, plus about 10% interest.
This 2-year waiting period model works better for the call center, but not the consumer. Agents can move quickly through calls without understanding your health, budget, or long-term goals.
And since Open Care is not a licensed insurer, you have no direct contact with them after purchase.
Real-life insurance brokers like the Final Expense Guy match you with the best company that actually fits your health profile, so you get the lowest rates.
For example, a diabetic in decent control might qualify for first-day coverage with many companies…something Open Care would likely never offer, as it requires real and accurate underwriting.
Application Questions
Check all that apply:
1.a) Bedridden or confined to any hospital, nursing home, long-term care facility, or skilled nursing facility; or receiving or been advised to receive care in a nursing home, hospice care, or home health care?
1.b) Requiring assistance with activities of daily living such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed, or control of bowel or bladder problems?
1.c) Requiring any of the following: wheelchair, electric scooter, or oxygen equipment to assist breathing?
1.d) None of the above.
Q2. Have you EVER been:
2.a) Diagnosed as having AIDS, HIV?
2.b) Diagnosed or treated: Alzheimer’s, Dementia, Huntington’s, Sickle Cell Anemia, Myelodysplastic Syndrome (MDS), Lou Gehrig’s Disease (ALS), Quadriplegia, Paraplegia, Down’s Syndrome, mental incapacity, congestive heart failure, Cirrhosis, Metastatic Cancer or recurrent Cancer of the same type?
2.c) Diagnosed with insulin shock, diabetic coma, or had an amputation due to diabetic complications or diagnosed with End-Stage Renal Disease or requiring dialysis?
2.d) Advised to receive or have received an organ or bone marrow transplant?
2.e) Diagnosed as having a terminal medical condition that is expected to result in death within the next twelve 12 months?
2.f) None of the above.
Q3. In the LAST 12 MONTHS, have you been:
3.a) Advised to have a surgical operation, testing, treatment, hospitalization, or other procedure which has not been done or for which results are not known?
3.b) Diagnosed with heart disease or heart surgery of any kind?
3.c) In the past 2 years, diagnosed or recommended treatment for any form of cancer (except basal or squamous cell skin cancer)?
3.d) None of the above.
Q4. Have you EVER received Care for or advised to seek treatment for:
4.a) Diabetes before age 50 or diabetes at any age with complications of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve), or Peripheral Vascular Disease (PVD or PAD)?
4.b) Hepatitis C?
4.c) Chronic Lung Disease, including Chronic Obstructive Pulmonary Disease (COPD), Chronic Bronchitis, Emphysema, or Sarcoidosis?
4.d) None of the above.
Q5. In the LAST 4 YEARS, have you been diagnosed, treated, or advised to seek treatment for:
5.a) Cancer, Leukemia, Melanoma, or any other internal cancer? (answer NO if basal or squamous cell skin cancer)
5.b) Chronic Kidney Disease, Systemic Lupus or Scleroderma?
5.c) Bipolar Depression, Schizophrenia, Parkinson’s Disease, or Multiple Sclerosis?
5.d) None of the above.
Q6. In the LAST 2 YEARS, have you been treated or advised to seek treatment for:
6.a) Coronary Artery Disease, Heart Attack, Coronary Artery Bypass Surgery, Angioplasty, Cardiomyopathy, irregular heart rhythm, or Valvular Heart Disease with surgical repair or replacement?
6.b) Stroke or Transient Ischemic Attack (TIA)?
6.c) None of the above.
Q7. In the LAST 2 YEARS, have you:
7.a) Been convicted of or currently awaiting trial for a felony?
7.b) Been treated for or advised to have treatment for alcohol or drug abuse or convicted more than once of reckless driving or driving under the influence of drugs or alcohol?
7.c) Used unlawful drugs in any form or abused or misused prescription drugs?
7.d) Been hospitalized by a physician or health care provider for any mental or nervous disorder?
7.e) None of the above.
Q8. In the LAST 12 MONTHS, have you:
8.a) Consulted a physician for chronic cough, unexplained weight loss greater than 10 pounds, fatigue, or unexplained gastrointestinal bleeding?
8.b) None of the above.
Additional information needed:
- Primary physician information
- PHYSICIAN or CLINIC with the most recent medical records
- Physician/clinic – phone number
- Physician/clinic – address
- Date last seen
- Reason for doctor visits
You must also provide a list of medications and the reasons for taking those medications.
Any YES answer on the health questionnaire will disqualify you from the first-day coverage plan. They will only offer you a guaranteed issue burial insurance policy with a 2-year waiting period and higher pricing.
Open Care Seniors’ first-day coverage plan has a four-year lookback period on cancer, kidney disease, Lupus, and bipolar disorder. Most insurance companies have a two-year look-back period on these conditions.
If you have current cancer or kidney disease, even a guaranteed issue plan with a two-year waiting period is better than an Open Care plan.
If you have Lupus or bipolar disorder, applying for coverage with a different company that will offer you first-day coverage is the way to go.
THE TRUTH ABOUT THE OPEN CARE WAITING PERIOD
Almost every Open Care Senior Plan policy includes a 2-year waiting period before full coverage begins.
If the insured dies within the first two years from a health or medical-related cause of death, the policy won’t pay the full death benefit. It’ll only return the premiums paid plus about 10% interest.
The only exception is accidental death, which most of these policies cover immediately.
This is called “guaranteed acceptance” life insurance, and everyone qualifies, even those with serious health issues, but it also means the insurance company must protect itself from immediate claims.
The result is a waiting period that makes your first two years essentially a savings plan, not real insurance.
What most consumers never learn is that 97% of applicants could qualify for first-day coverage with the right carrier and an independent broker like the Final Expense Guy guiding them…even with moderate health conditions like diabetes, high blood pressure, or minor heart issues.
Here’s what the difference really looks like:
| Coverage Type | Immediate Protection? | Typical Cost | Refund Clause | Ideal For |
|---|---|---|---|---|
| Open Care Senior Plan | No, 2-Year Waiting Period | Higher | Premiums + 10% Interest if Death Within 2 Years | Severe Health Issues |
| First-Day Coverage (e.g., Mutual of Omaha) | Yes | Lower | Full Benefit From Day One | 97% of Applicants |
| Modified or Graded Plans (Other Carriers) | Partial Protection First 1–2 Years | Moderate | Partial Payout Before Full Benefit Begins | Those With Specific Conditions |
Some companies love guaranteed issue because it’s easier for poorly trained staff to sell. But that doesn’t make it smart for the buyer. Paying more for half protection isn’t peace of mind; it’s wasted money.
Let’s review the fine print on the Open Care TV commercial:
“Open Care Insurance is not an insurance company. Benefits pricing and insurance companies vary by state. Policies contain limitations, exclusions, termination, and terms for keeping them in force, Guaranteed issue whole life insurance policies provide for a limited graded death benefit or return of premium during the first two policy years (varies by product) after which the death benefit remains level. Not available in all states. Guaranteed acceptance whole life insurance is available to individuals between the ages of 45 and 85. You will receive only the benefit amount in the policy issued. Beneficiaries may use the death benefits for any purpose. In order for the policy premiums and benefits to remain in effect, premiums must be paid on the rates and the coverage amount may depend upon your individual qualification. Your call will be connected with a licensed insurance agent with a third-party partner of Open Care Insurance who can offer you a guaranteed issue (final expense) life insurance plan from one or more contracted insurance carriers.”
Be sure to ask for a first-day coverage plan. Otherwise, you will likely be offered their guaranteed issue burial insurance, which is expensive.
HOW MUCH DOES THE Open CARE SENIOR PLAN COST?
The prices you see in Open Care ads often mention coverage “starting at $7.49 a month” or show examples that sound like government subsidies.
The reality is that rates vary dramatically by age, gender, and state, and guaranteed-issue plans always cost more.
Because Open Care markets mostly guaranteed-acceptance products, you’re almost guaranteed to end up paying inflated premiums. You’re essentially buying insurance with no medical questions, and the carrier charges extra for that risk.
The cost can be 40% to 100% higher than a first-day coverage plan with basic health questions.
Here’s a realistic comparison of a $10,000 whole life policy for non-smokers (average national pricing):
| Age | Open Care (Guaranteed Issue) |
First-Day Coverage Trinity Life |
First-Day Coverage (Mutual of Omaha) |
|---|---|---|---|
| 50 | $36 | $21 | $24 |
| 60 | $48 | $32 | $33 |
| 70 | $68 | $52 | $53 |
| 80 | $109 | $104 | $98 |
A 70-year-old woman who has kept her policy for 10 years could easily pay over $2,000 more with Open Care than she would with a first-day coverage plan from a reputable carrier.
Another hidden problem is that, since Open Care is just a marketing company, rates often vary depending on which call center agent you speak with and which carrier they route you to. So, it’s always a big guessing game.
Real brokers like the Final Expense Guy, on the other hand, instantly compare rates across multiple top-rated companies. You see your options, choose the lowest price, and know exactly who your carrier is before you sign.
WHO IS BEHIND OPEN CARE SENIOR PLAN?
Open Care Senior Plan operates under the name Open Care Seniors/Open Care Insurance Agency, but that doesn’t make them an actual insurance provider.
They are a marketing company, not an insurer, and they exist to generate leads. Their job is to get you on the phone, not to manage claims, set rates, or issue policies.
They don’t publish a transparent corporate address, executive team, or ownership details on their website.
Their advertisements list toll-free numbers that route to rotating call centers rather than to a headquarters. This is a classic red flag in the insurance world.
Open Care also doesn’t have any ratings.
You’ll never find them rated by A.M. Best, Moody’s, or Standard & Poor’s, because they aren’t an insurance company. That means you have zero insight into their financial stability.
The carriers they partner with might occasionally be strong, but Open Care itself has no oversight or accountability.
Their Better Business Bureau (BBB) record shows numerous complaints involving misleading advertising and difficulty canceling coverage. Many of those complaints reference the same pattern: consumers believed they were dealing with a real insurer until after they were billed.
When a large company hides its structure, doesn’t publish its financials, and uses multiple websites or phone numbers, perhaps it’s time to be sceptical?
COMMON COMPLAINTS AND CONSUMER ISSUES
If you search for “Open Care Senior Plan complaints,” you’ll find a consistent pattern of misleading marketing, aggressive sales tactics, and hidden waiting periods.
Misleading Ads: Many seniors report being misled by phrases like “state-regulated program” or “benefit approved for seniors over 50.” These statements imply government involvement when there is none.
Aggressive Calls: Once you respond to an ad, your data is often sold to multiple agents. That’s why some people receive a flood of calls from different numbers. It’s not one agent following up; it’s multiple agencies bidding for your information to get your money.
Hidden Terms: The two-year waiting period is rarely explained clearly. Agents are trained to emphasize “guaranteed acceptance” while avoiding notification of any coverage delays.
Billing and Cancellation Issues: Some consumers have complained to the BBB and NAIC about premium drafts continuing even after they tried to cancel. Because Open Care doesn’t handle billing directly, the customer must deal with the underlying insurer, which creates confusion.
Carrier Switching: Several reports mention being told one company was issuing the policy, then receiving paperwork from a completely different insurer. This bait-and-switch tactic often occurs when call-center representatives route applications to whoever pays the highest commission that week.
These complaints aren’t isolated.
They’re the predictable outcome of a telemarketing sales model focused on speed rather than treating their clients with respect and accuracy. The problem isn’t just the waiting period or the pricing; it’s often the system itself.
ARE OPEN CARE POLICIES LEGITIMATE?
This is where it gets tricky. The policies sold through Open Care are usually legitimate, but the way they’re sold isn’t always transparent.
Again, Open Care doesn’t issue policies.
They pass your application to an actual insurer. That insurer, often a well-known name like Mutual of Omaha or American Amicable, or other more expensive companies, handles everything from approval to claims.
So, yes, the insurance is real. But your relationship with Open Care ends the moment you buy.
All this confusion stems from the marketing that leads you to believe Open Care is the insurer. Many customers have said they didn’t even realize who their real carrier was until they got their policy in the mail. That’s a terrible way to treat consumers and this important protection.
When you buy through a broker like the Final Expense Guy, you know exactly which company is issuing your coverage before you pay. You get side-by-side comparisons, honest advice, and long-term service from the same agent.
With Open Care, you get a one-time transaction through a scripted call.
Also, if there’s a mistake on your application or a billing problem later, you can’t call Open Care for help. You’ll be redirected to a carrier you didn’t choose, with a representative who’s never spoken to you before.
IS OPEN CARE SENIOR PLAN AFFILIATED WITH THE GOVERNMENT?
No, Open Care is not affiliated with the government.
The phrase “state-regulated” that Open Care uses in its advertising is technically accurate but intentionally misleading.
Every legitimate insurance product in America is regulated by each state’s Department of Insurance. That regulation simply means the state approves the policy forms and ensures the company follows solvency requirements. It does not mean the state endorses, funds, or sponsors the program in any way.
Open Care’s marketing makes it sound like it is a government-approved benefit, similar to Medicare or Social Security. That’s false.
No federal or state program gives out life insurance benefits to seniors through a private company. The National Association of Insurance Commissioners (NAIC) and multiple state regulators have warned consumers for years about companies using government-like language or mailers to appear official.
Some mailers even show bold letters like “FINAL NOTICE” or “STATE BENEFIT UPDATE” with a seal-like emblem. These are designed to mimic official government correspondence, but they are still commercial solicitations to gain access to your personal information.
To be clear, the government will never request personal information for private insurance coverage.
WHAT TYPES OF POLICIES DOES OPEN CARE SELL?
Open Care markets several types of life insurance, but it focuses heavily on guaranteed- and simplified-issue whole life policies designed to cover burial and final expenses.
Guaranteed-Issue Whole Life requires no health questions, accepts everyone between certain ages, and always has a two-year waiting period.
Simplified-Issue Whole Life involves a brief health questionnaire and offers immediate 1st-day coverage if approved.
They may also occasionally promote short-term or term-like policies under the same “senior plan” label, adding to the confusion.
Here’s a look at how those products compare:
| Policy Type | Health Questions | Waiting Period | Typical Coverage Limit | A.M. Best Rated Carrier? |
|---|---|---|---|---|
| Guaranteed-Issue Whole Life | No | Yes, 2 Years | $2,000–$25,000 | Varies |
| Simplified-Issue Whole Life | Yes, a Few | No | $5,000–$50,000 | Usually Yes |
| Term Life (Rebranded as “Senior Plan”) | Yes | No | $25,000–$100,000+ | Yes |
Keep in mind that guaranteed-issue plans cost more and delay protection 2-3 years.
Simplified-issue plans give you first-day coverage at a lower price if you answer a few basic health questions.
WHO IS THE TARGET AUDIENCE FOR OPEN CARE?
Open Care targets older adults with the fear of leaving final expense bills for loved ones to pay.
Their commercials and mailers target people ages 50 to 85, often mentioning funerals, cremation, or “leaving a legacy.” The messaging appeals more to emotion than to logic.
These campaigns reach fixed-income households, retirees, and veterans. Many of them already qualify for affordable first-day coverage through reputable companies, but Open Care doesn’t mention that. Instead, they often position guaranteed-issue policies as the only realistic option.
That approach works well for them because it simplifies the sale.
For example, a 68-year-old with controlled diabetes or mild heart medication could qualify for immediate coverage with Prosperity Life, Royal Neighbors, or other more expensive companies. But through Open Care, that same person would almost always be sold a guaranteed-issue policy with a two-year waiting period.
IS OPEN CARE A CALL CENTER OR A BROKER?
Open Care operates more like a call center than a trustworthy broker.
When you respond to their ad, your call is usually routed to a telemarketing floor where multiple agents use scripts to gather information and close sales quickly.
Those agents might be licensed, but they are often trained to move fast, not to compare multiple carriers or design long-term, affordable plans.
Real brokers like the Final Expense Guy work for you, not a call center. They review dozens of carriers, explain the pros and cons, and remain your point of contact for years.
Open Care’s agents rarely provide that kind of service. After the sale, your file is transferred to whichever insurance company actually issued the policy. If you need help later, you’re redirected to that carrier’s generic customer service line.
Most call centers sell one-size-fits-all policies that prioritize speed over suitability. Brokers take the time to find the right coverage for your exact health and budget.
Here’s how the two models compare:
| Feature | Open Care Call Center | Independent Broker |
|---|---|---|
| Personal Agent | No, Rotating Reps | Yes, One Dedicated Agent |
| Access to Multiple Carriers | Limited, Based on Contracts | Full Market Comparison |
| Underwriting Guidance | Minimal | Custom Per Health Profile |
| Ongoing Support | No | Yes, Lifetime Service |
If you want a policy that fits your health and your budget, you need a real broker like the Final Expense guy who works for you, not a rookie agent reading from a script.
BETTER ALTERNATIVES TO OPEN CARE
If you want real protection, you don’t need a marketing company. You need a licensed broker like the Final Expense Guy who compares rates and policies from the best and most financially strong insurers.
Independent brokers work directly with companies that have been trusted for decades and offer first-day coverage to most applicants.
The best alternatives to Open Care are top-rated insurers that issue simplified-issue whole life coverage. These companies ask a few health questions, but the reward is immediate protection and lower premiums.
I, the Final Expenes Guy, work with some of the strongest insurance companies in the entire United States with A or better rating from A.M. Best.
This means they are financially secure and have a long history of promptly paying claims. They also specialize in smaller policies built for final expenses, funeral costs, and family protection.
Here’s how these options compare with Open Care:
| Company | A.M. Best Rating | Waiting Period | Typical Monthly Premium ($10,000) | Highlights |
|---|---|---|---|---|
| Open Care Senior Plan | None | Yes, 2 Years | $60 | Marketing company, not an insurer |
| Trinity Life | A− | No | $32 | Affordable first-day coverage |
| Mutual of Omaha | A+ | No | $33 | Low rates, fast claims |
| Foresters Financial | A | No | $37 | Strong community benefits |
| Royal Neighbors of America | A | No | $38 | Focus on seniors and families |
The price difference tells the story. You can pay hundreds more with Open Care and still wait two years before you’re fully covered, or you can qualify for immediate coverage at a lower cost through a reputable company.
Working with a broker like the Final Expense Guy means you’re not stuck with one option. You can compare rates, ask questions, and choose the company that fits your needs. That’s the power of working with an independent agent or broker.
Remember: As the Final Expense Guy, I’ve seen nearly every policy on the market. I only recommend carriers with first-day protection and proven financial strength. If you can qualify today, there’s no reason to settle for a waiting period plan that leaves your family unprotected.
IS OPEN CARE TOO GOOD TO BE TRUE
Open Care Senior Plan is not a scam, but it’s also not the smart way to buy insurance. It’s a marketing company that thrives on vague advertising, emotional appeals, and a confusing sales process.
The coverage they promote usually includes a two-year waiting period, costs more than first-day options, and offers no personal agent relationship.
If you believe you’re buying from a trusted government-endorsed program, you’re not. You’re buying through a call center that routes leads to various insurers for commission.
Once you sign up, Open Care disappears from the picture, leaving you to deal with whichever company actually issued your policy.
Seniors deserve real protection, not fine-print exclusions or waiting periods disguised as benefits.
The companies that Open Care partners with are legitimate, but the way Open Care markets them is not transparent. That’s why many consumers end up with overpriced policies that don’t start when they think they do.
If you want to protect your family, focus on what truly matters:
- A financially strong insurer with an A rating or better
- A policy that offers first-day coverage
- A licensed broker who works directly for you
FREQUENTLY ASKED QUESTIONS: OPEN CARE SENIORS
Is Open Care a legit company?
Open Care Senior Plan is a marketing agency, not an insurance company. The policies they sell come from other carriers. The coverage may be real, but Open Care itself doesn’t issue or pay claims.
Who is Open Care insurance best suited for?
It’s marketed toward seniors with health issues who want “guaranteed acceptance,” but most people can qualify for better, lower-cost coverage elsewhere.
How long has Open Care been in business?
Public records show Open Care has operated for several years as a marketing brand, but not as a licensed insurer. Their agents sell for multiple companies.
Is Open Care insurance legitimate for seniors?
The policies may be legitimate, but the marketing is not transparent. Always verify who the actual insurer is before giving payment information.
Is Open Care Senior Plan a real insurance company?
No. It’s a marketing brand that connects consumers with other insurance companies. Open Care does not issue or pay claims.
Why does Open Care use “state-regulated” in its ads?
They use the term to make their program sound official. Every insurance policy is regulated by the state, but no government endorses or funds Open Care’s program.
Does Open Care Senior Plan have a waiting period?
Yes. Most policies sold through Open Care have a two-year waiting period for natural causes. Only accidental death is covered immediately.
