Kemper Life offers a variety of life insurance solutions designed to provide lasting protection, peace of mind, and flexible payment options that fit your lifestyle.

Limited Pay Whole Life
These plans combines permanent coverage with the flexibility of paying premiums over a set period. It provides long-term security and the potential for cash value growth, helping you protect what matters most while aligning with your financial goals.

20 Pay Life Policy

The 20 Pay Life Policy is a whole life insurance plan that allows you to complete your premium payments in 20 years. Once paid, your coverage continues for life, offering permanent protection and the added benefit of cash value accumulation. This policy is designed to provide financial security for your family while freeing you from future payments sooner. 

21 Pay Life Policy
The 21 Pay Life Policy is a whole life insurance plan that ensures lasting protection and financial security for your loved ones. With an increasing death benefit that grows 5% annually—doubling in just 21 years—your family is safeguarded. Premiums are fully paid in 21 years, giving you lifelong coverage without additional payments. Benefits also include level premiums that never increase and a policy that builds cash value over time, combining protection with financial growth.

Life Paid-Up at 65
This option allows you to complete your premium payments by age 65. Afterward, your coverage continues for life, providing peace of mind for your family while freeing you from future premium obligations.

Life Paid-Up at 85
Spread your premium payments over a longer period, completing them by age 85. Once paid, your coverage remains in force for life, offering permanent protection and the added benefit of cash value accumulation.

LifeProtect 121 Life Insurance
Provides lifetime protection with guaranteed level premiums, ensuring your family’s security is always maintained.

Term Insurance
Term life insurance delivers affordable protection for a specific period, ideal for temporary financial responsibilities such as mortgage payments or children’s education, giving your family coverage when they need it most.

Guaranteed Issue
Designed for individuals with health challenges or limited options, this policy guarantees approval with no medical exams or health questions, offering essential coverage and peace of mind.