Open Care is not an insurance company. It’s a marketing agency. They don’t disclose which carriers they use, the $7.49 ads don’t reflect what most seniors pay, and requesting a quote means daily follow-up calls. Here’s everything you need to know before you dial.
Open Care (operating as OpenCareSeniors.com and Open Care Insurance Services) is a marketing agency and insurance brokerage based in Naples, Florida. They are not an insurance company. They do not underwrite or issue any insurance policies. What they do is market final expense coverage on television using low teaser rates, collect your information when you call or submit a quote online, and then connect you with policies from third-party insurance carriers.
This distinction matters enormously. When you buy “Open Care insurance,” you are not buying insurance from Open Care. You are buying insurance from one of their carrier partners — and Open Care does not publicly disclose which carriers those are. Based on research, their online application routes through Mutual of Omaha’s final expense policy. What other carriers they represent is unknown.
✖ The fundamental problem: In life insurance, the carrier’s financial strength, underwriting guidelines, and claims history are everything. An agency that refuses to tell you which companies it represents is asking you to trust the middleman instead of evaluating the actual product. No reputable independent broker operates this way.
Open Care and Anchor Life are both brokers — neither of us is an insurance company. The difference is that I tell you exactly which 9 carriers I work with, show you their rates side by side, and explain which one fits your specific health profile and why. Open Care doesn’t do any of that. Based on what I’ve seen, their online application often routes directly to Mutual of Omaha — so a senior calling Open Care may end up with the same Mutual of Omaha policy they could have gotten by calling me, except without the carrier comparison, without the underwriting explanation, and after a week of daily follow-up calls. Call me instead: (754) 800-1152. One call. I don’t call you back unless you ask.
Both Open Care and Anchor Life are brokers. Here is exactly what separates them:
Open Care’s TV commercials advertise rates starting around $7.49 per month. This figure is technically possible — for the smallest available coverage amount for the youngest eligible applicant with the cleanest health profile. For the overwhelming majority of seniors watching their commercials, it is not a realistic number.
Here is what final expense coverage actually costs at common ages through carriers a transparent broker would show you:
| Age | $10,000 level benefit — Female | $10,000 level benefit — Male | $15,000 level benefit — Female | $15,000 level benefit — Male |
|---|---|---|---|---|
| 55 | $35/mo | $44/mo | $40/mo | $52/mo |
| 60 | $41/mo | $54/mo | $47/mo | $62/mo |
| 65 | $49/mo | $66/mo | $58/mo | $76/mo |
| 70 | $64/mo | $87/mo | $76/mo | $100/mo |
| 75 | $88/mo | $119/mo | $103/mo | $137/mo |
| 80 | $122/mo | $162/mo | $143/mo | $188/mo |
Sample rates from Mutual of Omaha level benefit plan. Non-tobacco, no major health conditions. Rates vary by state and health profile. Not a quote.
⚠ $7.49/month buys approximately $1,000–$2,000 in coverage for most seniors — not enough to cover even a basic cremation, let alone a burial. Open Care’s advertised starting price applies to a product no senior actually needs. Real coverage for meaningful burial expenses starts around $35–$50/month.
This is the most important issue with Open Care and the one no other review covers adequately. When you buy a life insurance policy, you are entering a contract with the insurance company — not the broker. The broker is just the sales channel. What matters for your coverage is the carrier’s financial strength, underwriting guidelines, claims process, and complaint history.
Open Care does not tell you which carrier is underwriting your policy until after you are deep in the sales process. Based on available research, their primary online application routes through Mutual of Omaha — which is actually an excellent carrier. But you don’t know that going in, and you don’t know what else they might place you with depending on your health profile.
A note on Mutual of Omaha: If Open Care’s primary carrier is Mutual of Omaha, that’s genuinely good news — Mutual of Omaha has the best level benefit rates in the market for healthy, non-diabetic applicants. But you can access Mutual of Omaha directly through any independent broker, including Anchor Life, without going through Open Care’s sales funnel and without the follow-up calls. With a transparent broker you’ll also see every other carrier side by side — so if Mutual of Omaha isn’t the right fit for your health profile, you’ll know immediately.
Open Care’s business model is lead generation. When you call their TV number or submit your information online, you become a sales lead. Multiple consumer reports document receiving daily phone calls from Open Care agents after a single inquiry — sometimes multiple calls per day, from different agents. For a senior who simply wanted to understand their options, this is an overwhelming and stressful experience.
✖ If you’ve already called Open Care and are receiving unwanted calls: Tell them directly to stop calling and that you are adding yourself to their do-not-call list. If calls continue, file a complaint with the FTC at reportfraud.ftc.gov or with your state’s insurance commissioner. Going forward, calling a single independent broker directly avoids the lead-generation pipeline entirely.
Based on publicly available information, Open Care offers three types of final expense coverage through their carrier partners:
| Plan type | Who qualifies | Waiting period | Coverage range | Health questions |
|---|---|---|---|---|
| Simplified issue (level benefit) | Applicants who answer health questions favorably | None — full coverage from day one | $2,000–$50,000 (varies by carrier) | Yes |
| Graded benefit | Applicants with moderate health issues | Years 1–2 partial; full from year 3 | $2,000–$20,000 (varies by carrier) | Yes |
| Guaranteed issue | Anyone 50–85 regardless of health | 2 years for natural causes | $2,000–$25,000 (varies by carrier) | None |
These are the same three plan types available from any independent broker. The difference is that with a transparent broker you know exactly which carrier is providing each option, what their financial strength is, and how their underwriting guidelines apply to your specific health conditions.
| Factor | Open Care | Anchor Life (independent broker) |
|---|---|---|
| Carrier disclosure | Not disclosed | 9 named A-rated carriers |
| Rate transparency | Teaser rates in ads | Exact rates by age, gender, health |
| A.M. Best rating | Not rated (not an insurer) | All carriers A or A+ rated |
| BBB accreditation | Not accredited | Licensed, NPN verifiable at NIPR |
| Follow-up calls | Daily calls reported by consumers | You call us — we don’t call you |
| Carrier comparison | Hidden — no comparison shown | Full side-by-side across all 9 carriers |
| Health condition guidance | Unknown — carrier not disclosed | Specific carrier matched to your conditions |
| Cost to you | Same as going direct (brokers are free) | Same as going direct — brokers are free |
Important: Using an insurance broker costs you nothing extra. Brokers are compensated by the insurance carrier, not by you. The premium you pay is identical whether you buy through a broker or directly from the carrier. The only question is which broker gives you the most information and the least hassle.
We’ll show you exact rates from 9 named A-rated carriers for your specific age and health profile — including Mutual of Omaha. One call, 10 minutes, no follow-up calls unless you want them.
See My Actual Rates →Open Care’s TV ads target the broadest possible audience without explaining how carrier underwriting works for specific conditions. The right carrier for a diabetic is completely different from the right carrier for someone with COPD or a heart condition. If you have a health condition and call Open Care, you don’t know which carrier they’ll place you with or whether that carrier is the best fit for your profile.
| Health condition | Best carrier | Why |
|---|---|---|
| Diabetes (any type) | American Amicable or Royal Neighbors | Level benefit available. Mutual of Omaha grades all diabetics — see our diabetes guide |
| Congestive heart failure | Transamerica | Only carrier offering level benefit for CHF — see our heart disease guide |
| COPD | Transamerica or Royal Neighbors | Preferred rate level benefit — see our COPD guide |
| Cancer history | American Amicable or Americo | Lenient for remission — see our cancer guide |
| Clean health, best rate | Mutual of Omaha | Best level benefit rates in market for healthy applicants |
| Cannot qualify for simplified issue | AIG/Corebridge GI | Guaranteed issue, typically cheaper than Colonial Penn for same coverage |
We work with 9 named A-rated carriers and show you every rate side by side. Takes 10 minutes. No follow-up calls unless you want them. Free, no obligation.