Kemper Contracting and Appointment

Kemper Life and Health strives to meet the insurance needs of more than 6 million policyholders by keeping their finger on the pulse of the ever-changing healthcare industry as they continue to develop new and innovative solutions. Kemper Senior Solutions (KSS) meets the consumers’ needs by offering a home health care, and life insurance plans. Focusing on consumer choice, KSS generally allows several benefit levels to be offered.  

The insurance benefits under the KSS policies are provided by Reserve National Insurance Company, a subsidiary of Kemper Corporation. Kemper is one of America’s leading financial services providers. Reserve National has been providing life, accident and health insurance since 1956, and holds the prestigious “A-Excellent” rating for overall financial stability by A.M. Best. 

These are Kemper's current policies and state availability for 2018.

Final Expense

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Issue ages 40 to 80 (Age Last Birthday) except Missouri, issue ages 40-75. Face Amount: $2,000 to $25,000; no health questions are required when applying for a Kemper’s Guaranteed Issue Whole Life Insurance policy. Insurance benefits are provided by Reserve National Insurance a Kemper Life and Health Company.  

For accidental death anytime the policy is in force, the selected face amount is 100% payable. For non-accidental death anytime during the first two policy years, beneficiary receives 120% of all premiums paid, as of date of death. Smokers pay no more premium than non-smokers. Premium never increases. Policy is non-cancellable for life provided the premium is paid.    

This policy will not be issued to replace any existing life insurance coverage.

Home Health Care

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Issue ages 41 through 85 (Age Last Birthday). The Kemper Home Health Care insurance plan is an affordable solution that offers the flexibility to receive care in the comfort of the home.

Home Health Care Benefit is payable each day for services received in the home from an Approved Home Health Care Practitioner, up to a daily maximum benefit of $150: Skilled Nursing Care (RN), General Nursing Care (LPN or LVN), Physical Therapy, Speech Pathology, Occupational Therapy, Chemotherapy Specialist Services, Enterostomal Therapy, Respiration Therapy, and Medical Social Services.

Home Health Care Aide Benefit is a $40 daily benefit payable for required services of a Home Health Care Aide immediately following a hospital confinement of not less than three days.

Prescription Drug Benefit is payable if expenses are incurred in excess of the $50 deductible per policy year for Prescription Drugs, the policy will pay 80% of these expenses, limited to a $250 maximum benefit per policy year.

Optional Extra Benefits: Annual Physical Exam, Vision, Hearing, Ambulance and In-hospital Private Duty Nurse Benefit.

All applications will be either issued or declined without the use of any rate-up or elimination of pre-existing conditions.

Insurance benefits provided by Reserve National Insurance a Kemper Life and Health Company. Benefits and policy provisions may vary by state.

This policy will not be issued to replace any other policy.

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