Open Care life insurance, reviewed.
Here’s the key thing to know up front: Open Care is not an insurance company. It’s a licensed independent brokerage and marketing service that connects seniors, roughly ages 50–85, to final-expense (burial) coverage underwritten by real carriers like Mutual of Omaha, Aetna/CVS Health, Transamerica, American-Amicable, and Foresters. So an “Open Care” policy is actually a final-expense plan from one of those carriers — and the smart move is to confirm you’re getting that carrier’s best rate.
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What it actually is
A matching service, not an insurer.
Open Care is a senior final-expense brokerage — a service that matches you to a carrier’s coverage. The policy, the price, and the claim all come from that carrier. Once you see it that way, the page is easy to read (per Open Care):
Not an insurer — a matching service
Open Care is a licensed independent brokerage and marketing brand for seniors. It helps you find coverage; it doesn’t issue the policy or pay the claim itself.
The real coverage — final-expense whole life from name carriers
What you actually get is a burial whole life policy from a carrier like Mutual of Omaha, Aetna/CVS Health, Transamerica, American-Amicable, or Foresters.
What to confirm — that you got the carrier’s best rate
Since the carrier sets the price, the one thing worth checking is that the rate and class you were placed in are the best available to you for your age and health.
Not sure which carrier you’d be placed with? A licensed professional will check and compare your options. No obligation.
Call (888) 959-0710What it does well
A simple path to coverage from strong carriers.
As a brokerage, Open Care’s value is the connection it makes — pairing seniors with established insurers and a kind of coverage that’s built to be easy to qualify for.
Connects you to real, established carriers
Open Care matches seniors to final-expense policies from name insurers — Mutual of Omaha, Aetna/CVS Health, Transamerica, American-Amicable, and Foresters (per Open Care).
Final expense is simple to qualify for
The coverage it places is burial whole life in smaller amounts — the kind most seniors can qualify for with a few health questions rather than a full medical workup.
No-exam options
Many of the plans Open Care places need no medical exam, so the path from application to coverage is short and straightforward for those who qualify.
Coverage that doesn’t expire
Final expense is whole life: the premium is level, the protection doesn’t end at a set age, and it builds modest cash value over time.
The carriers behind it are strong names
Because the policy comes from a carrier like Mutual of Omaha or Transamerica, the company paying the claim is a long-established, state-regulated insurer.
A guaranteed-issue path for tougher health
For health histories that rule out other plans, guaranteed-issue options accept applicants regardless of health, with a two-year waiting period on natural-cause claims.
Compare the market
What the coverage behind Open Care costs.
These are the kind of carriers Open Care places you with — here’s what those final-expense policies actually cost for one common profile, so you can confirm the underlying rate. Prices move with age, sex, health, and state, so the aim is to set your quote beside these for your profile:
| Carrier | Product | Monthly · $10,000 |
|---|---|---|
| Transamerica | Immediate Solution | $40.73 |
| Mutual of Omaha | Living Promise | $41.01 |
| Americo | Eagle Select 1 | $41.63 |
| Foresters Financial | PlanRight | $43.38 |
| Aflac | Final Expense | $43.99 |
| Corebridge Financial | SimpliNow | $44.79 |
| American-Amicable | Senior Choice Immediate | $47.05 |
| American-Amicable | Golden Solution Immediate | $47.48 |
| CVS Health | Final Expense | $47.60 |
Sample monthly rates: female, age 65, $10,000 level coverage, North Carolina, best available class, as of June 2026. Rates vary by state, age, sex, health, and underwriting class. Quotes are estimates, not offers. Your figure depends on your own profile.
Is it a good fit?
A fine way to find coverage — just confirm the rate.
There’s nothing wrong with using a service like Open Care to find coverage. It connects you to real, established carriers and a kind of policy that’s simple to qualify for — a reasonable starting point for a lot of seniors.
The key is making sure the underlying carrier and rate are the best available to you. That’s exactly what a free, independent review does: we compare the same carriers — Mutual of Omaha, Transamerica, Aetna/CVS, American-Amicable, Foresters — for your age and health, with no obligation. Often you’re already in good shape, and we say so.
A brokerage’s job is to connect you to a carrier. Our job is to make sure the carrier and the rate behind it are the best ones for you — then you choose.
Already have a policy?
Confirm you’re getting the best rate.
If you found coverage through Open Care, a licensed professional will read the policy with you — which carrier issued it, the amount, the beneficiary — and check whether the same money could buy more from another A-rated carrier. Often you’re in good shape, and we’ll say so plainly.
Free · no obligation · Mon-Sat · 10am-9pm
- Which carrier actually issued your policy
- Whether you’re on a day-one or guaranteed-issue plan
- Whether another A-rated carrier costs less for the same amount
- That your beneficiary is current and correct
Straight answers
Open Care questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is Open Care a real insurance company?
No — Open Care is a licensed independent brokerage and marketing service for seniors, not an insurer. It connects you to a final-expense policy, but the policy itself is issued by a real carrier — its application is for Mutual of Omaha’s final expense, and its partners include Aetna/CVS Health, Transamerica, American-Amicable, and Foresters (per Open Care).
02What is the Open Care senior plan?
It’s final-expense (burial) whole life placed through Open Care for seniors roughly ages 50–85, in smaller amounts of about $2,000 to $50,000. It’s designed to cover a funeral, burial, and small final bills. Many plans need no medical exam, and the coverage is a whole life policy from one of Open Care’s carrier partners.
03Who underwrites Open Care policies?
Real carriers do. Per Open Care, the coverage it places comes from established insurers — Mutual of Omaha, Aetna/CVS Health, Transamerica, American-Amicable, and Foresters Financial. So an “Open Care” policy is really a final-expense plan from one of those companies, which is who pays the claim.
04Is there a waiting period with Open Care?
It depends on the plan and the carrier. Per Open Care, some plans offer day-one coverage if you’re approved on the health questions, while guaranteed-issue options accept any health but apply a roughly two-year waiting period for natural-cause death. A review tells you which plan you’d qualify for.
05How much does Open Care coverage cost?
It depends on the carrier, your age, sex, health, coverage amount, and state — because the price is set by the underlying insurer, not Open Care. A common final-expense profile is around $10,000 of coverage, but that’s an illustration, not a quote. A quick call gives you a real figure and sets it beside the broader market.
06Is Open Care legit?
Yes — it’s a licensed independent brokerage that connects seniors to coverage from well-known carriers, and the policy is backed by that carrier. The one thing worth doing is confirming the underlying carrier and rate are the best available to you for your age and health, which is exactly what a free, independent review checks.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Open Care or the carriers named; product and company names are used for identification only. Details come from the brand and carriers and can change — confirm current terms with them. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will compare the carriers behind Open Care against the broader market for your age and health — and tell you straight which gives you the most.