It is. For non-accidental deaths anytime during the first two policy years, the death benefit is 120 PERCENT of premiums paid.
Kemper has combo applications in many states where you can use one simple application to write both products. Check with your National Marketing Director for application details.
Kemper's death benefits have six options: $5,000; $7,500; $10,000; $15,000; $20,000 and $25,000. You can find state specific monthly premiums on the client brochures.
There is a 100% chargeback if a death benefit claim occurs during months 1 through 6 following policy effective date, or subject to 75% chargeback of initial commission if a death benefit claim occurs during months 7 through 12 following policy effective date.