Life Insurance Riders

Customize your coverage and budget, for a little as $1 per day*.

Get more value from your life insurance policy

Riders are affordable add-ons that help you get more value from your life insurance policy. Instead of purchasing a separate policy, which can cost more or be harder to qualify for, riders let you add extra protection that fits your life and your budget.

Add Extra Protection for Life’s Key Milestones

Term riders can provide extra life insurance protection during key years—such as paying off a mortgage, raising children, or covering short-term responsibilities.

Extra Protection When Accidents Happen

Accidental Death Benefit coverage pays an additional life insurance if the insured passes away due to a covered accident. This extra amount can help your loved ones cover unexpected expenses like medical bills or funeral costs during an especially difficult time.

Disability Protection That Keeps You Covered

This rider may waive your future premium payments while disabled, so your coverage continues—even if your income doesn’t.

Add Life Insurance for Your Child's Future

Child Term Rider is a coverage that adds life insurance protection for your child under your policy, which may include the option to convert to permanent coverage later—
offering long-term value and peace of mind.

Flexible Options for Tomorrow’s Needs

Some riders may be added to an in force policy - it's protection that can grow with you.

For as Little as $1 a Day*

Kemper Life Riders can give you peace of mind by protecting your financial stability.

The Benefits of Choosing a Kemper Life Insurance Policy

Help to add extra protection that fits your life - and budget.

Affordable 

Many cost as little as $1 a day*

Customizable

Choose only the protection you need

Convenient

Add riders when you buy, or later in limited cases

Contact Your Local Agent

Work with your Kemper Life agent to learn what policy amount is right for you.

The good news: Kemper Life Riders coverage typically costs as little as $1 a day! * Work with your Kemper Life agent to learn what policy amount is right for you.

*Cost and availability vary by rider, coverage amount, and state. Ask your Kemper Life agent for details. Coverage subject to eligibility and exclusions

This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement (policy or certificate).

Kemper Life 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.
This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal, or estate planning professional.” All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.  Please contact your agent or nearest district office for more information. Insurance policy is only available in English. If there is a dispute, the insurance policy is controlling, and an advertisement may not be construed to modify or change the insurance policy.

• Terms of Use

• Privacy Policy

• California Privacy

© 2025 Kemper Corporation. All rights reserved.

Do Not Sell or Share My Personal Information

Return to top