Kemper Life Insurance Review 2025
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Kemper life insurance
on Nerdwallet
Financial strength rating
Online purchase
NAIC complaints
Policies offered
on Nerdwallet
Kemper life insurance
Financial strength rating
Online purchase
NAIC complaints
Policies offered
Why trust NerdWallet
About Kemper life insurance
Kemper Life earned 2.5 stars out of 5 for overall performance. The St. Louis-based company sells term and whole life insurance policies, some of which are available without a medical exam. You’ll need to work with an agent to buy any of them. The insurer draws a high volume of consumer complaints, so you might find better options elsewhere.
Guaranteed issue whole life policy does not require a medical exam.
High number of complaints to state regulators compared to companies of similar size.
Cannot get a life insurance quote or buy a policy online.
Not available in all states.
» MORE: Compare life insurance quotes
Kemper life insurance policies
Term life insurance. The company sells term life insurance, with coverage ranging from $25,000 to $250,000.
Permanent life insurance. Kemper offers a straightforward whole life insurance policy with level premiums. It also sells guaranteed issue life insurance to applicants from 3 to 80 years old. Guaranteed issue policies don’t require a life insurance medical exam for approval, which means you can get coverage regardless of your health. However, you can't be hospitalized, living in a nursing home, receiving in-home care or terminally ill when you apply.
Kemper Life customer complaints and satisfaction
Over three years, Kemper life insurance companies have collectively drawn far more complaints to state regulators than expected for companies of similar size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
» MORE: Best life insurance companies
How Kemper compares to other insurers
Kemper | Mutual of Omaha | Prudential | |
|---|---|---|---|
Star rating | |||
Financial strength | Strong. | Exceptional. | Exceptional. |
NAIC complaints | Far more than expected. | Close to the expected number. | Fewer than expected. |
J.D. Power ranking | N/A. | #6 out of 21. | #17 out of 21. |
Policy types offered | Term, permanent & no-exam. | Term, permanent & no-exam. | Term, permanent & no-exam. |
Read full reviews |
More about Kemper insurance
Kemper’s website offers limited information on its life insurance policies and doesn’t have an online portal for policyholders to manage their accounts or make payments. If you wish to make policy changes, the website has forms available.
Kemper also sells auto insurance. For more information, read our Kemper auto insurance review.
How to contact Kemper
Kemper can be reached by:
Phone: Call 800-777-8467 on weekdays from 9 a.m. to 5 p.m. CT.
Email: Send a message to [email protected] or fill out the form on Kemper’s contact page.
Live chat: Not available.
Life insurance buying guide
Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders, if any, you want the policy to include. Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers you’re considering offer the coverage you’re looking for.
When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. It’s also important to make sure the policy’s medical requirements match your needs. For example, if you want to skip the life insurance medical exam but don’t mind answering health questions, confirm that the application process for each policy you're comparing aligns with that.
Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service.
For more guidance, see our life insurance buying guide.
Methodology
Life insurance ratings methodology
NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
