What’s being said in Kemper Life Insurance reviews? The company has been an insurance provider across the US for more than 30 years, but are you getting your time and money’s worth with their services? Can Kemper Life’s products cover your final expenses? Take a look at what the company has to offer with their whole life, term life, and guaranteed issue plans here at Final Expense Benefits.
If you’re interested in these or any of our other life insurance options, call us at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, to learn more, or check out our free online quoting tool for personalized estimates.
Key takeaways
- Kemper Life Insurance offers whole life, guaranteed issue, and term life policies.
- Information on Kemper Life’s monthly premiums is not available online.
- Kemper Life Insurance reviews across third-party rating services like AM Best and the BBB have highlighted the company’s good financial standing.
- However, the Kemper Life Insurance reviews and customer feedback have been overwhelmingly negative.
The History of Kemper Life Insurance
Kemper Life Insurance was founded in 1990 under the name Unitrin, Inc. The company was founded to replicate the success of Teledyne, an industrial conglomerate founded by Henry Singleton and George Kozmetsky.
Unitrin shares were priced at $31.25 a share upon debut on the NASDAQ stock market. Unitrin split insurance services into three subgroups: life, property, and consumer insurance.
In 2010, Unitrin purchased the rights to the name “Kemper” and began operating under that name in 2011.
The Kemper Life Insurance headquarters is located in Chicago, IL. The company currently owns $13 billion in assets and was named by Forbes as one of the best insurance companies of 2025.
Coverage Options With Kemper Life Insurance
Kemper Guaranteed Issue Life Insurance
Guaranteed Issue Life Insurance is a type of whole life insurance that accepts applicants regardless of their status. This option is closest to a standard final expense insurance.
Guaranteed issue life insurance requires no medical examination or background check. This is a great option for individuals who may otherwise be ineligible for standard life insurance, such as someone with a health issue.
Applicants between three and eighty may already be approved, provided they are not terminally ill, residing in hospice, a care facility, a hospital, nursing home, or receiving home health care.
Guaranteed issue policies from Kemper also offer guaranteed rates, so it accumulates cash and loan value over time for its beneficiaries. Premiums are level throughout the policy’s payment period.
Kemper Term Life Insurance
Term life insurance is also referred to as standard coverage, or “pure” life insurance.
You are typically provided with a length of time, during which you are guaranteed payment as stated by the death benefit if the policyholder dies during this period. An individual can pay for coverage for a predetermined period of time.
Kemper offers three options for term life coverage, including, 10, 20, or 30 years. Coverage options for Kemper Term Life Insurance range from $25,000 – $250,000. Unlike Whole Life insurance, when the term period ends, the benefits of the policy also end.
If the policyholder is alive at the end of the term, you can renew for an additional term, or convert the existing coverage to permanent coverage.
Term life insurance usually has an affordable introductory price point given the amount of coverage provided. A medical exam is typically required for this form of insurance.
Plans with higher death benefits will typically cost more per month. The monthly payment is called the premium.
Life insurance comes in three major forms: final expense insurance (also known as burial insurance), term life insurance, and whole life insurance. Each type’s purpose and intended market are different.
Available Kemper Life Insurance Riders
Life insurance riders grant the insured flexible coverage options for an additional charge. Some common riders include accelerated death benefits for terminal or chronic illness and accidental death and dismemberment coverage. However, for Kemper Life, it’s unclear if riders are available for any of its life insurance products, as that information isn’t online. If you’re interested in adding riders to your Kemper Life Insurance coverage, you’ll need to request a quote from a local agent.
Kemper Life Insurance Reviews: Pros & Cons
Pros
- Highly regarded by A.M. Best
This rating is a strong indication of Kemper’s financial integrity
- A+ rating from BBB
This rating from BBB indicates a strong commitment to ethical business practices
- Guaranteed issue life insurance does not require a medical exam or questions.
- Option to convert term life insurance into whole life insurance.
Cons
- Next to no online functionality.
The only thing you are able to do via their website is acquire the surface level requirements needed for their policies, as well as a brief except of what they do.
- High number of customer complaints.
Kemper currently sits with a 1.8/5 rating on TrustPilot. Many reviews mention difficulty in receiving payment from claims.
- Unavailable in many states.
Kemper Life Insurance is currently available in only 27 states.
- Company fluctuating from negative to stable.
According to Fitch Ratings, Kemper has been fluctuating between negative and stable.
Kemper Life Insurance Reviews: Third-Party Rating Services
AM Best
Their ranking system is meant to help understand their overall quality. They use a letter ranking system, which varies from A+ to F. The rating is determined by management, performance, financial flexibility, and shareholder safety.
Kemper was rated A- in 2024, implying good, but not perfect financial health.
Better Business Bureau
NAIC
The National Association of Insurance Commissioners (NAIC) is responsible for tracking customer complaints against companies and releasing those findings annually through their complaint index. For this, the National Complaint Index average is always 1.00, and companies should aim to match the figure or score lower.
With the NAIC, however, Kemper Life Insurance’s overall customer complaint index rating was at a staggering 41.34 according to 2024 data.
Kemper Life Insurance Reviews: Customer Ratings
Ray J.
Mesa, AZ
1/5
Stacey V.
Pittsburgh, PA
1/5
William G.
Morton Grove, IL
1/5
Best $10,000 Burial Insurance Companies
If you’re looking for a policy with $10,000 in coverage that remains instated throughout the remainder of your life at the premium you locked in at, then we’d like to recommend a few names that may be of interest to you and your wallet.
Here are the expected monthly premiums for final expense insurance for a healthy, non-smoking individual from our top providers:
| Company |
Male 50y/o |
Female 50y/o |
Male 60y/o |
Female 60y/o |
Male 70y/o |
Female 70y/o |
|---|---|---|---|---|---|---|
|
$34 |
$27 |
$50 |
$40 |
$70 |
$56 |
|
|
$31 |
$26 |
$43 |
$35 |
$71 |
$53 |
|
|
$31 |
$24 |
$44 |
$33 |
$75 |
$53 |
|
|
$34 |
$29 |
$45 |
$35 |
$79 |
$59 |
|
|
$33 |
$26 |
$48 |
$36 |
$82 |
$58 |
Final Thoughts
With their library of insurance products, Kemper Life Insurance does not offer final expense insurance. Additionally, this provider is not available in all 50 states, and general pricing information is unavailable online. And despite rating services backing Kemper Life Insurance’s financial strength, customer reviews across numerous review sites have cited poor communication and customer service.
So if you’re a senior applicant looking for reliable coverage for end-of-life costs, you may want to consider seeking coverage elsewhere. Try getting in contact with one of the trusted carriers that we’re partnered with here at Final Expense Benefits.
Call our expert agents at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, or check out our free online quoting tool to receive an estimate.
FAQ
Is Kemper Life Insurance legit?
Yes, the company is legitimate. Kemper has a high number of policy-holders and total assets are in the billions.
Is Kemper Life Insurance a good insurance company?
While Kemper may have a policy that fits your needs, the company has poor customer reviews and high premiums.
What determines coverage eligibility?
Determining factors for coverage include age, medical history, and physical health. When an underwriter reviews your application, they are trying to determine your risk level. If you have many severe health problems, then you will most likely have to pay a higher premium.
Where is Kemper Life Insurance located?
Kemper Life Insurance is currently headquartered in Chicago, Illinois.
Who owns Kemper Life Insurance?
Kemper Life Insurance is owned by Kemper Corporation, which is currently run by CEO C. Thomas Evans.