Loretta, check the rates here: https://opencareseniors.com/rate

Kat, yes – your mom qualifies for coverage. I emailed you the rates. You can also check the rates here

Denise, please check your email.

Yes, we can offer coverage. Call us and we’ll help you start an application.

Donna, the full value of the policy is disbursed to the beneficiary, to be spent as necessary. Any additional funds left over after funeral expenses are theirs to use as they see fit. Please give us a call to help you start coverage!

Kelly, please give us a call and we’ll find you the lowest rates!

Joy, of course we can help! Give us a call and we’ll set her up with the lowest rates. We’re working with insurance companies that have been in business for over 100 years, are A+ rated and stable financially.

Barbara, please give us a call and we’ll find your lowest rates.

Yes, I sent you an email with the rates.

Martin, we can help! Please call us at 321-222-9443

Rena, please give us a call (321) 222-9443 for rates.

Respectfully,

Dr. Shelton D. Wright

Debra, YES – you can get this for your Mom, she does qualify for Guaranteed Issue from $90/mo. Please contact us at Info@OpenCareSeniors.com

Deborah, due to current age it’s $75/mo for $5,000 benefit. But she’ll lock in the price for life (that’s why it’s recommended to get this coverage earlier in life to lock in the price when younger and healthier).

Yolanda, YES – she can still get it; $8,000 benefit would cost her $46 per month – rates fixed for life.

Please check your email. I have sent the rates.

Hi, Leslie! What’s your age or DOB? State? Taking any meds?

Hi, Mildred!
Depending when the cancer was treated and how long you’ve been cancer-free:
– if in the last 24 months: then you can get GUARANTEED ISSUE rates, with a “waiting period” and graded benefit.
– if over 2 years ago: you qualify for the LOWEST rates (preferred).

Details sent in email.

Hi, Gwendolyn! Yes – even with your mom in an assisted living center and with dementia, she can get a Guaranteed Issue plan – but it has certain limitations, like a “waiting period” for death due to illness or natural causes. I’m sending you an email with more details. You didn’t provide her mom’s age or DOB, so I didn’t include rates here.

Yes, Angela! You can still get him coverage, it’s called Guaranteed Issue Final Expense whole life – benefit amount and rates are locked-in for life once the policy is purchased – some waiting period may apply due to heart issues and dialysis. I’ll reply by email.

Neil, $56.88 for $10,000 benefit – these are Standard rates (not preferred due to diabetes).

Sandra, please check your email.

Hi, Sandy! I have replied to your email. No agent needs to come see you, no exam or blood test needed, benefits and premium are fixed for life. Application is done over the phone, with electronic signature (email confirmation).

Diane, I replied in the other thread. No waiting period if healthy.
Just to draw a parallel: you don’t try to get car insurance after you total your car, same with life insurance – it’s cheaper to get it when healthy and still insurable.

Diane, if health is relatively good and he’s willing to answer a few medical questions (but no blood test or medical exam needed)- then the waiting period does not apply. The reason to apply for this coverage while somewhat younger and healthy makes sense because rates are lower, and locked-in for life (rates never increase after policy is purchased). The danger of waiting until too old or too sick is that you can become uninsurable or remain with the only other option: Guaranteed issue which has the “waiting period”. I will send you rates by E-mail.

I would like to have final expense plan for my partner.
He is 67 yrs old. Feels there is no need for a healthy man to obtain this. I beg to differ.
Please send me a quote for the insurance. I need to have something to fall back on if this were needed.
The two year period I just found out about.

Hi, Fitzroy! Due to dialysis you qualify for what is called GUARANTEED ISSUE WHOLE LIFE, rates will differ than those listed above, and you have immediate benefit payable on death due to accident, but in case of death due to illness in the first two policy years the benefit will be all premiums paid plus 10% interest. If death due to illness occurs at any time after the 2 year policy anniversary, FULL BENEFIT will be paid.
Please send us your DOB and state of residence and I’ll send the Guaranteed Issue rates.