When it comes to planning for end-of-life expenses, a final expense life insurance policy can provide peace of mind for both you and your loved ones. However, with so many different policies and companies to choose from, it can be challenging to know where to start.
One of the leading companies in the final expense insurance market is Kemper Life Insurance. With a strong reputation for reliable coverage and exceptional customer service, Kemper offers a range of policies to fit different budgets and needs. From basic coverage to more comprehensive plans that include additional benefits such as accidental death coverage or guaranteed acceptance, Kemper has something for everyone.
But let’s take a closer look so that you can get a better idea if Kemper is right for you.
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About Kemper Life Insurance
If you’re looking for the right life insurance company to provide final expense or burial life insurance, Kemper Life Insurance may be on your radar. As part of the Kemper group of companies, they offer a range of insurance policies, including home, car, life, identity fraud, and health insurance.
The Kemper Life companies, including United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, and Mutual Savings Life Insurance Company, are well-established players in the insurance industry. However, if you’re specifically seeking final expense or burial life insurance, it’s worth looking into what sets Kemper Life Insurance apart from other companies that offer these policies. You might also want to research Kemper Life Insurance’s reputation, financial stability, and customer service ratings before making a decision.
Kemper Life Insurance Rating
Most life insurance companies are rated by third party rating agencies such as A.M. Best. A.M. Best rated Kemper Life Insurance with an A-.
This is an above average rating, so it’s a good rating that should reassure anyone considering to purchase a life insurance policy from Kemper Life.
Kemper Life Insurance Ratings:
- A.M. Best rating: A-
- S&P rating: A-
- Moody’s rating: A3
- Fitch rating: A-
For more info on Kemper Insurance, please go here.
Kemper Life Guaranteed Issue Whole Life Insurance
If you have been denied life insurance coverage, then you may want to consider getting a final expense life insurance policy from Kemper Life.
Kemper Life Guaranteed Issue Whole Life Insurance is a sure bet life insurance policy. That means if you have health problems or develop health problems later on, you cannot be denied a policy or become ineligible for your current policy. With Kemper Life Guaranteed Issue Whole Life Insurance you will be covered no matter what.
Kemper Life Guaranteed Issue Whole Life Insurance
- Issue Age: 40-80 years old
- Application Process: easy
- Value: $5,000-25,000
- Availability: Kemper Life is not yet available in California
Kemper Guaranteed Issue FAQ
- How are rates determined? Rates are determined by the age of your last birthday.
- Will smokers and non-smokers have different rates? No. Both smokers and non-smokers will have the same rate based on their age.
- Can multiple people be insured under this policy?No. This policy is only for one person.
- Will I have to answer medical questions? No. You will not have to answer any medical questions or undergo a medical exam.
Kemper Life Insurance Rates Examples:
| Age | $5000 coverage
Male |
$5000 Coverage
Female |
$25k Coverage
Male |
$25K Coverage
Female |
| 40 | $26.04 | $22.67 | $133.52 | $96.69 |
| 50 | $29.96 | $26.79 | $133.14 | $117.29 |
| 60 | $38.45 | $34.09 | $175.56 | $153.75 |
| 70 | $60.07 | $52.55 | $283.65 | $246.08 |
These rates are as of September 2016 and subject to change at any time. The purpose is only to show an example and may not reflect exact rates. Also remember, you can choose a death benefit of $5,000, $10,000, $15,000, $20,000 or $25,000. Rates for 10k, 15k, 20k will likely fall somewhere in between the above given rates.
Is Kemper Life Insurance Right for Me?
Kemper Life Insurance can be a good option for you if you’re looking for final expense or burial life insurance. They are part of a well-established group of insurance companies and offer a variety of policies to meet your needs. However, it’s important to keep in mind that there are many other life insurance companies out there, each with their own unique offerings and advantages.
By shopping around and comparing your options, you can make an informed decision about which company is the best fit for your specific needs and budget. Don’t make the mistake of assuming that Kemper Life Insurance is the only option available to you without exploring other possibilities. By taking the time to do your research, you can find the right life insurance policy that provides you with the coverage and peace of mind you need.
