When standard coverage is no longer an option, Kemper Life LegacyTM Graded Death Benefit Life Insurance may be the right fit. It's designed to help people get dependable, lifetime protection. By requiring the insured to meet just a few conditions, this policy helps cover people who might otherwise be turned down.
Dependable. Permanent. Trusted.
Why choose Kemper Life LegacyTM?
Lifetime protection
Coverage never ends as long as premiums are paid.
Affordable certainty
Payments stay the same, giving you stability and control.
Support for your loved ones
Your beneficiaries receive a tax-free cash benefit to help with funeral costs, debt or other expenses.
Important to know: Full death benefits are available after two years; restrictions apply in the first two years.
Kemper Life Options
With the right policy in place, you’ll gain peace of mind today and provide protection for the people you love. Discover which type of insurance is right for you.
Additional options, features and benefits*
Kemper Life LegacyTM may be the right choice if you want to:
Build trust
Shows your family they can count on you with reliable permanent insurance.
Build value
Accumulates cash value that you can borrow against or access if the policy is surrendered.
Build a legacy
Gives your loved ones the financial security they need - even if you don’t qualify for traditional coverage.
Graded Death Benefit Frequently Asked Questions
Graded death benefit is a type of insurance designed for people who may not qualify for traditional life insurance due to age or health conditions. It provides coverage with a modified payout structure during the first few years of the policy.
If the insured passes away from natural causes within the first two years of the policy, the beneficiary typically receives a percentage of the death benefit or a return of premiums plus interest. After the graded period, the policy pays the full death benefit.
This type of policy is often a good fit for individuals with health conditions, older applicants, or those who have been turned down for traditional life insurance but still want coverage to protect loved ones.
Premiums are generally higher than traditional life insurance because it accepts applicants with greater health risks. Costs vary based on age, health, coverage amount, and other factors. Speak with one of our agents today who can provide a personalized quote.
One of our licensed agents can guide you through the process, explain eligibility, and help you find the right policy for your situation. Contact us today for a free, no-obligation quote.