Kemper Life Insurance Company Review

If you need to make changes to your current policy please call Kemper Life insurance.


Kemper Life Insurance Company provides life insurance coverage with great benefits and at suitable rates. The company’s first priority is you, the customer, and you will always get quality services regardless of your insurance needs. In this article we will review kemper life insurance products, specifically Kemper Guaranteed Issue Whole life insurance. Finding a superior insurance company to provide you with this type of specialty product can be very difficult. Mainly , if you are having trouble qualifying for life insurance coverage due to health, Kemper insurance can be a suitable insurance provider who will take care of your needs.


About Kemper Life Insurance

Kemper Life Insurance company is one of America’s leading financial services providers. In fact, it services 6 million policyholders nationwide and manages more than $8 billion in assets. Reserve National Insurance Company has been providing life, accident and health insurance since 1956 with excellent reviews. Furthermore, A.M. Best Company has awarded them with a prestigious A ( excellent) rating for overall financial stability. With Kemper Insurance, you are assured that all dealings have a high level of honesty and integrity.It maintains a good reputation as a reliable insurance provider, offering quality services for all its customers at affordable prices. Throughout its history, Kemper insurance has excelled in bringing personalized services to its customers with the help a seasoned management team and more than 7,000 associates nationwide.

Kemper Guaranteed Whole Life Insurance

Kemper guaranteed whole life insurance offers an excellent product for those who need to qualify for this type of insurance. While it is not for everyone, there are many people with medical issues that this product is ideal for. It is truly a great piece of mind for those who are looking to cover their final expenses . The amount you pay when coverage begins is the same amount you will pay throughout the duration of your policy. Feel free to compare Kemper Final Expense insurance quotes with our insurance calculator.

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What is Guaranteed Issue?

Guaranteed Issue means  everyone qualifies for this product as long as you fall into the age range of 40 to 80 years old. In fact, you will get an approval even if you have a history of diseases like: Cancer, heart disease, Alzheimer’s, HIV, Parkinson’s, or some other serious disease. You might be wondering what benefits you will gain with this insurance plan. Well, there is a significant number of advantages but I will only focus on a few of the key points.

  • Kemper guaranteed issue whole life insurance holds the concept of equality in that all policyholders are subject to equal premiums. For instance, if you are a smoker,  you will not pay more than a non-smoker.
  • The premiums are always constant no matter what happens. Furthermore, age and health changes do not affect your future  premiums. This means that for as long as you have Kemper whole life insurance, you are entitled to constant regular payments.
  • Up to $25,000 of Tax Free Death benefit which your family can use to fulfill your final wishes (e.g. pay for a decent burial), pay your funeral, credit cards, medical bills and other financial obligations.
  • Since your health status does not affect how much premiums you pay, Kemper guaranteed issue whole life insurance does not require you to answer  any medical questions  .
  • The insurance provider will not cancel your policy as long as you pay your premiums on time
  • Cash value accumulation during the life of the policy, which you can borrow from.
  • Immediate benefit due to accidental death in the first two years. For non-accidental death there is a two year waiting.
  • Your family will receive 120% of the premiums you paid , if you were to pass away of natural causes in the first two years. Afterwards, the full insurance benefit is available

Is Kemper Guaranteed Issue Life Insurance For You?

That is definitely a good question to ask. After all, Kemper Whole Life Insurance is one of the most expensive plans in the market today. If you suffer form a chronic disease, and you are uninsurable, Kemper Insurance may be the right fit for you. There are No Medical Questions to answer! Another great advantages with his type of product is the Age range. In fact, if you are between 40 and 80 years old , your approval is guaranteed. However, you may end up paying 30% to 50% more per month! If you do not suffer form a chronic disease, Level benefit Final Expense insurance may be the right plan for you. Our Final Expense Agents are specialists, and they can shop for you and help you qualify for a better rate than Kemper Guaranteed Life Insurance. Use our Final Expense calculator to compare prices with top rated life insurance companies.

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