Life insurance options: Final Expense Whole Life | Term (temporary) | Accident-only
Want a plan WITHOUT ANY MEDICAL EXAM? – You’re in the right place!
- NO medical exam, NO blood tests – get Day-1 coverage: immediate Whole Life.
- NO medical questions at all – get Guaranteed Issue WL or Accident-only plans.
Financial Peace of Mind for You and Your Family
Rates as Low As:
$50,000 Death Benefit
From only $17/mo.
No medical questions asked for Accident-only coverage.
All we need to know is: Who’s your beneficiary?
Choose Your Next Step:
- Start Accident Life Coverage – $50,000 for $17/mo
- Get a Different Quote
- Send Me This Quote
- Send to a Loved One
- I Prefer Full Coverage – Term or Whole Life (some questions required)
We recommend Full Coverage for FINAL EXPENSES. Includes both ACCIDENT as well as illness/natural causes.
What’s Best for You? Know the Difference in 30 Seconds
When to Choose Accident-Only Coverage
- Budget-friendly; great in your younger, active years
- No health questions, no exam
- Pays only if death is due to an accident
- Fast approval, same-day coverage
Apply Now for Accident Coverage
- Need FULL coverage with immediate benefit for ANY cause of death? Check Whole Life or Term Life below.
When to Choose Full Coverage (Term or Whole Life)
- Pays for any cause of death (natural causes, illness or accident)
- Premiums stay fixed for the full duration of your policy (lifetime for Whole Life, or 10-20-30 years for term)
- Answer a few health questions
- Higher benefits available
- Day-1 benefits available if you qualify
Start My ACCIDENT-ONLY Life Insurance – No Health Questions
I Prefer FULL COVERAGE – Get My Quotes
Why choose Whole Life?
- Lifetime coverage – never expires
- Premiums never increase
- Cash value builds over time through interest & dividends
- Living benefits – early payouts for terminal illness
- No medical exam – just a few health questions
- Same-day approval for 80% of applicants
- Children of elderly parents can pay the premium
Sample Quote: $39/mo for $15,000 Whole Life (Healthy 50-Year-Old)
Get Your Quote Now or Ask an Agent
Why Choose Term Life?
- Most affordable full-coverage life insurance
- Guaranteed terms – 10, 15, 20, or 30 years
- Great for mortgage or income protection
- Living benefits – early payouts for terminal illness
- No exam required for certain coverage amounts
- Return of Premium option – get every dollar back if you outlive the term
Sample Quote: $42/mo for $150,000 Term Life (Healthy 50-Year-Old)
Get Your Quote Now or Ask an Agent
Compare Term vs. Whole Life
- $15,000 Whole Life – $39/mo (Female, 50, non-smoker)
- $150,000 Term Life – $42/mo (10-year, Female, 50, non-smoker)
Compare Your Options Instantly
Final Expense Life Insurance – Simple, Affordable & Guaranteed
What Is It?
- Lifetime coverage with fixed premiums
- Designed to cover funeral & end-of-life costs
- No medical exam – just a few health questions
- Available coverage: $2,000 to $50,000
Sample Monthly Rates – $8,000 Benefit
Non-Smoker / Non-tobacco / no nicotine use:
- AGE: FEMALE MALE
- 55 $28/mo. $36/mo.
- 65 $39/mo. $50/mo.
- 75 $61/mo. $82/mo.
For Smoker / Tobacco / Nicotine use:
- AGE: FEMALE MALE
- 55 $37/mo. $45/mo.
- 65 $50/mo. $67/mo.
- 75 $85/mo. $126/mo.
Even with some medical conditions, many will still qualify for these rates. Ask us for details.
Affordable Peace of Mind – As Low As $7.49/mo
- Get a quote instantly – no agent required
- Coverage for ages 18 to 90
- Policies never expire as long as premiums are paid
Prefer to talk? Call us: (321) 222-9443
Triple Guarantee
1️⃣ 30-Day Money Back Guarantee
- Guaranteed coverage for ages 18-80 (up to 90 with decent health)
- Full refund within 30 days if not satisfied
- First payment can be delayed until next month
2️⃣ Free $3,000 Accident Death Coverage (up to $10,000 per family)
- $3,000 for you
- $3,000 for your spouse
- $1,000 per child
- For ages 18–69
3️⃣ Whole Life Guaranteed to Age 121
- Policy never expires if premiums are paid
- Premiums never increase
How It Works
- Get a Quote Instantly
- Choose Coverage Amount & Budget
- Apply Online in 5 Minutes
- Quick Approval – sometimes same-day!
- Enjoy Peace of Mind
Will You Qualify for Day-1 Coverage?
Most clients qualify immediately, even with:
- COPD, diabetes, or other stable conditions
- Past heart issues
- Other manageable conditions
About 10% may have a 2-year grace or “waiting” period if facing severe illness or nursing home care – but premiums are refunded if death occurs within that time.
How Much Coverage Do You Need?
- Most choose $10,000 – $30,000 for final expenses
- Average funeral cost in the U.S. is $12,000
- Coverage available from $2,000 to $50,000 for final expenses, or up to $2 million to cover mortgage and other life insurance needs or obligations.
Who Are We?
- OpenCare Seniors – Licensed in all 50 states
- Independent brokers working with A+ rated insurers
- Our mission: Find you the best coverage at the lowest cost
- We specialize in finding coverage for clients with health concerns
We’ve helped:
- Cancer survivors
- Heart & stroke recovery
- Diabetes & kidney conditions
Start Here – Get Your Instant Quote
