Worried about leaving your family with large expenses if something happens to you?
We’re here to help! Give your family PEACE OF MIND.
Burial / life insurance benefits from $5,000 to $50,000 payable within 4 days of receiving a death certificate.
Day-1 coverage may be available
Rates can lock in for life
No medical exam in many cases
Whole life options
Licensed agent review
Our expert agents with over 20 years experience can search through over 100 insurance companies’ rates and find the best coverage at the lowest premium.
Some of the most stable, A-rated companies we work with:
Aetna, Mutual of Omaha, Transamerica, Gerber Life, American General and more.
Check a quick estimate using the basics: ZIP code, age, tobacco use, and gender. Then you can compare benefit amounts and premiums before deciding your next step.
If a plan looks right, continue to the secure Pre-Approval SHORT APPLICATION. A licensed OpenCare agent reviews details with you before anything is sent to a carrier.
What we offer:
- Final expense / funeral or burial plans (it’s all life insurance)
- Easy application, no medical exam, no blood tests
- Benefits guaranteed for life
- Premiums that will never increase – for life (on Whole Life policies)
- Online quotes – self-service or speak with a licensed agent.
- Ask us how to get a FREE Last Will & Testament if you don’t have one
Final expense coverage is really about the first week.
Some people call it funeral insurance, burial insurance, or senior life insurance. The practical reason is usually the same:
funeral homes often ask for payment quickly, and household bills do not pause when a family is grieving.
A smaller policy can still make a hard week easier. Your beneficiary receives the money directly, and the benefit can be used
for funeral costs, cremation, cemetery expenses, medical bills, household bills, debt, travel, or whatever your family needs most.
Don’t over-insure, cover what you actually need.
Final expense coverage is usually practical coverage. Many families use it to help with funeral home costs, burial or cremation,
cemetery expenses, medical balances, small debts, and immediate cash needs after a loss.
The goal is not always the biggest policy. The goal is to match the benefit to the real costs your family may face,
then keep your premium low enough that the policy can stay active.
How much coverage do people usually consider?
Often considered for cremation costs, simpler final expenses, or a smaller immediate cash need.
A common range for funeral costs, burial, final bills, and a little extra financial breathing room.
Can help with larger final bills, debts, family support, or leaving something meaningful behind.
Three common final expense paths
The best option depends on your age, health history, prescriptions, state, and how quickly you want the full benefit available.
We compare the available paths instead of forcing every family into one type of policy.
No health questions
Helpful when health makes regular life insurance difficult, but it generally only pays for accidental death.
No exam
Covers illness and accident, but often has a two-year graded period before the full natural-death benefit applies.
Day-1 option
Often provides the strongest protection when approved: no medical exam, level premium, permanent coverage, and no waiting period.
What affects the premium?
Many visitors start by searching for Open Care life insurance cost, burial insurance quotes, funeral insurance for seniors,
or life insurance for seniors age 50 to 90. The actual price depends on a few basics:
- Your current age
- Your ZIP code and state availability
- Tobacco or nicotine use
- Health history and prescription history
- The benefit amount you want
- The type of policy and carrier approval rules
Some plans may offer immediate benefits if approved. Other plans may use a graded benefit or waiting period, especially when health conditions are more serious.
If one type of policy is not a fit, another option may still be available.
Day-1 coverage versus a waiting period
This is one of the most important differences to understand. Some final expense policies may offer immediate Day-1 benefits if you qualify.
Other plans, especially guaranteed issue plans, may use a graded benefit or waiting period.
Full benefit may be available from the first day, based on carrier approval and truthful answers to health questions.
Can be useful when health history is more serious, but natural-death benefits may be limited during the first years.
A policy with the lowest premium is not always the best deal if it comes with a long wait. We help compare price, benefit, and approval type together.
How final expense, whole life, and term life insurance compare
Not every family needs the same type of policy. Some people mainly want affordable permanent coverage to help with funeral and burial costs.
Others need larger protection because of mortgage debt, income replacement, or dependent children.
That is why OpenCare Seniors looks at more than one path.
Often best for smaller permanent coverage goals.
- Common for funeral, burial, cremation, and final bills
- Often available without a medical exam
- Many plans keep the same premium for life
Best when you want day-one coverage if approved.
- Can provide permanent protection
- Often used when leaving money behind matters too
- Eligibility depends on health and underwriting answers
Often best when the protection need is larger.
- Useful for mortgage protection and family income needs
- Can provide higher coverage amounts for a set period
- Often considered when children or large debts are part of the picture
Is it worth it? A simple way to think about it.
Final expense coverage is not meant to make someone rich. It is meant to create a ready source of money when a family may need it quickly.
For example, a healthy non-smoker in their early 60s may see a smaller final expense policy around the cost of a regular monthly bill.
Exact rates vary, but the idea is simple: lock in a manageable premium now so the money is there later.
A family may receive the policy benefit after only a short time paying premiums, subject to approval and policy terms.
Whole life coverage is designed to stay in place as long as premiums are paid and the policy remains in good standing.
What is final expense insurance?
Final Expense plans are life insurance policies designed to pay a benefit amount for burial, funeral and other final expenses.
You designate a beneficiary to receive the full benefit, the insurance company does not care what you spend the funds for.
In most cases, the real question is whether there will be enough money in place so family members are not scrambling to cover funeral bills,
medical balances, small debts, or immediate living expenses during one of the hardest weeks of their lives.
No medical exam does not always mean no questions.
Many final expense plans do not require a medical exam, blood test, or needles. Some carriers still ask health questions or review prescription history
to decide whether immediate coverage is available. Other plans ask fewer questions but may use a waiting period.
Honest answers help us match you with the right carrier. If you have been declined before, it may still be worth checking again because each company
looks at health history a little differently.
Get a free quote below:
Start with the quick form, or use the newer estimate page if you want a faster ZIP-first experience.
Common questions about final expense coverage
Do I need a medical exam to get coverage?
Many plans offered through OpenCare Seniors do not require a medical exam. Some use health questions while some plans have no medical questions at all.
Available options can vary by age, health, state, and coverage amount.
Can I still qualify if I take medications or have health conditions?
Yes. Many applicants with common health conditions will still qualify for coverage.
If one type of policy is not a fit, another option such as graded or guaranteed issue coverage may still be available.
Is there always a waiting period?
No. Many policies offer immediate day-one coverage if approved. Other plans, especially guaranteed issue policies,
may include a waiting period or graded death benefit during the first years.
What does Day-1 coverage mean?
Day-1 coverage generally means the full approved benefit may be available from the first day the policy is active.
It depends on carrier approval, policy terms, truthful answers, and payment of the first premium.
Are rates guaranteed not to increase?
Many whole life final expense policies are designed with level premiums, meaning the monthly premium does not increase just because you get older.
Exact guarantees depend on the carrier and policy issued.
Who receives the money?
Your beneficiary receives the death benefit. The insurance company does not require the money to be spent only on funeral costs.
Families may use it for burial, cremation, medical bills, household bills, debt, or other needs.
Can I apply now and finish details by phone?
Yes. You can start with an estimate or Pre-Approval SHORT APPLICATION online, then a licensed OpenCare agent can review details with you by phone before carrier submission.
Helpful next steps
Compare benefit amounts and estimated monthly premiums.
Get a clearer picture of how burial insurance, funeral coverage, whole life, and waiting periods work.
Ready to apply?
You can start the secure Pre-Approval SHORT APPLICATION online. We review your answers with you before anything is submitted to a carrier.
Our senior care plans include FINAL EXPENSE, MEDICARE / health & Long-Term Care plans.
Call us today: 321-222-9443,
schedule a callback or an appointment by filling the form above.
Plans are not available in all states or at all ages. Rates are estimates and subject to underwriting, eligibility,
product and rider availability, and state rules. Daniel Dragan – Licensed Broker/Agent.
Not affiliated with or endorsed by the U.S. government, Medicare, or Healthcare.gov.
