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A History Of Excellence

We are excited to introduce a whole life insurance product that covers final expenses and more from United of Omaha Life Insurance Company (a Mutual of Omaha Company), one of the strongest brands in the Senior Market. You now have an industry leading final expense solution that includes:

Kemper Corporation* brings a high level of personalized service to their customers. Here are a few things you should know about us:

  • Our focus is on meeting the needs of our policyholders. With our finger on the pulse of the ever-changing healthcare industry we continue to develop new and innovative solutions for our clients' needs.

  • More than 6 million policyholders have their basic insurance and financial needs met by our nationwide network of career and independent agents.

  • With over $8 billion in assets, we employ over 6,500 associates.

  • We are led by a seasoned management team that values ethical behavior and no-nonsense business results.

*Neither Kemper nor any of its other subsidiaries is responsible for the insurance products of Reserve National Insurance Company.

Reserve National Insurance Company is a Kemper Life and Health company. Here is a brief overview of our company and our ability to provide you with a policy and a service you can depend on:

  • Stability. Reserve National stands for integrity, fairness and financial stability. Our company has the approval and confidence of policyholders throughout the country.

  • Financial Rating. Reserve National Insurance Company has held a prestigious "A-Excellent" rating for our overall financial stability, by A.M. Best Company, one of the leading insurance rating companies in the country.

  • Our People. Our team is a family, from our home office to our agents across the nation. We work together to assure you get the products and services you deserve, with unsurpassed attention to customer service. Our focus is on you, the policyholder.

We believe the right insurance plan for you, is the one that meets your needs and comes from a company you can trust.

Guaranteed Issue Whole Life Insurance Plan

Protecting your family in their time of need. Our Guaranteed Issue Whole Life Insurance Plan is an affordable solution that offers you the peace of mind that your family will be provided for in the event of your death.
What The Guaranteed Issue Life Insurance Plan Means To Your Client:

  • They are not required to answer any questions about their health when applying for this policy.

  • For accidental death anytime the policy in force, they receive the face amount you selected on their application: $25,000, $20,000, $15,000, $10,000 or $5,000.

  • For non-accidental death after the second policy year, they receive the face amount you selected on their application: $25,000, $20,000, $15,000, $10,000 or $5,000.

  • For non-accidental death anytime during the first two policy years, they receive 120 PERCENT of premiums paid.

  • Your client can borrow from the cash value of the policy for the necessary premium to prevent the policy from lapsing.

  • Smokers pay no more premium than non-smokers.

  • Your clients policy can never be cancelled if their premium is paid.

  • Your clients premium is guaranteed never to increase.

  • Issue ages for this policy are 40 through 80. They choose the death benefit that fits their needs: $25,000, $20,000, $15,000, $10,000 or $5,000.

This is a brief description of benefits only. Only the actual policy provisions will control. Benefits and policy provisions may vary by state.

Kemper Home Health Care Indemnity Benefits*:

  • Only Two Health Questions
  • No Phone Health Interview
  • Unique Prescription Drug Benefit pays in addition to Medicare
  • No special CE Required (Except in LA, SC and TN)

  • Optional Benefits Include:
  • Annual Physical Exam
  • Vision
  • Hearing Benefit
  • Ambulance
  • In-Hospital Private Duty Nurse Benefit
*Check your state brochure for details. Policy benefits and provisions may vary by state.*

Frequently Asked Questions:

Question 1: Is the Guaranteed Issue a graded death benefit?

It is. For non-accidental deaths anytime during the first two policy years, the death benefit is 120 PERCENT of premiums paid.

Question 2: How do I write both a Guaranteed Issue and Home Health Care?

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.

Question 3: Are the policy death benefits limited to increments of $5,000?

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.

Question 4: What are the chargeback details for Guaranteed Issue?

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.