Whole Life Insurance

The loss of a loved one is not something that anyone likes to think about. When your company offers the Kemper Health Whole Life insurance plan, this event does not have to add financial stress to an emotionally stressful time. With a wide range of coverage levels, Kemper Health Whole Life insurance plan can meet the diverse needs of your employees. Life insurance is necessary for individuals and families, no matter their age or life stage. With a premium that will never increase as long as premiums are paid, Whole Life insurance by Kemper Health is a financially responsible decision for employees to make. So whether your employees are young or old, married or single, have children or do not, take a moment to consider how life insurance might fit into your organization's financial plans.

Plan at a glance

  • Flexibility to choose coverage levels and face amounts
  • With a premium that never changes, the cost does not vary with age or health changes providing stability and affordable coverage
  • Death benefit can be used for survivor needs, mortgage protection, wealth transfer, charitable giving, etc.
  • The cash value that accumulates can be accessed during the lifetime and help with a variety of financial needs
  • Multiple rider offerings make the Kemper Health Whole Life even more flexible

Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

IMPORTANT: If an individual is insured under one or more Kemper Health voluntary insurance plans and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in Kemper Health coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.