OpenCare plan explained 2025: A look at rates, benefits and more

Insurance by Heroes you see the Open Care Senior Plan advertised on TV, it might seem like this company offers life insurance policies that can help seniors manage their final expenses. However, this provider is not an insurance carrier, but rather a lead generation agency that connects customers with third-party insurers. These insurers offer simplified issue and guaranteed issue whole life insurance plans designed for final expenses. In most cases, these policies do not require a medical exam and can be issued to applicants up to age 85.

OpenCare Plan Explained 2025: Updated Features and Pricing

In many cases, the insurers partnered with by Open Care Senior Plan are well-known brands such as Mutual of Omaha, Aetna, and SBLI. While they offer competitive policies, some customers report misleading advertising–including premiums significantly higher than quoted–aggressive telemarketing, and delays in receiving policy documents.

While many customers have a positive experience with Open Care, it is important to carefully evaluate the available options. Many critical factors need to be considered to ensure a policy that meets expectations, including price and coverage amount.

In addition, while Open Care Senior Plan’s policies are marketed as no-exam policies, some health conditions might make you ineligible for certain coverage or force you into a higher rate class. Age, gender, and tobacco use are other factors that can impact the cost of a policy. To get a precise estimate of the potential costs of an Open Care senior plan, it’s best to work with a knowledgeable agent.