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Have Questions About the Life Claim Process?

View a list of the most common questions and get the answers you need!

The Life Claim Process

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1. File your claim

To begin the claims process, please Complete A Death Claim by populating the required fields and supplying the necessary proof of identification. Taking this action will create an electronic claimant statement that will initiate a claim on the applicable policy (or policies).

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2. Initial documentation is evaluated

Your adjuster will review the initial documentation received.

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3. Adjuster will contact you

Your adjuster will send a letter to let you know what, if any, additional documentation is required to settle your claim.

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4. Claim is processed (paid or denied or combination therein)

Once all necessary documentation is received by the Home Office, a determination can be rendered. Claim proceeds will be issued to the beneficiary(-ies) of record, the Estate of the Insured/beneficiary according to the terms of the policy and/or funeral home or funding company as directed by the beneficiary/claimant.

Life Claim Process

Life Claim - FAQs

    Need help with your existing claim?

    If you have already filed a claim, you may contact our Call Center during local business hours:

    Monday - Friday 
    7:00 AM to 6:00 PM CST
    800-777-1195

    Please have your claim and/or policy number(s) ready. This can be found at the top of your request letter.

      As an individual, how do I start a claim?

      To begin the claims process, please Comple A Death Claim  by populating the required fields and supplying the necessary proof of identification. Taking this action will create an electronic claimant statement that will initiate a claim on the applicable policy (or policies).

        If I am with a funeral home or a funding company, how do I verify benefits and start the claims process?

        For funeral homes and funding companies, please fill out the form C-0042 Life Claim Benefit Verification Request, and email it to us at lifm28@kemper.com. You can also fax the form to us at 1-866-341-6992 or 1-866-634-6992.

          How long does it take to verify benefits?

          For most life claims, benefits are verified within 24 hours.

            What is needed to submit a claim?

            Claims generally require:
            • Completed Claimant Statement
            • Death Certificate
            • If the policy is less than 2 years old, includes accidental death benefits, or the insured has been divorced, other documents may be required 

              How long will it take to process a claim?

              Each claim is unique and deserves the appropriate amount of attention. While we do not know how long a specific claim may take to review and process, we strive to accurately process all claims in a timely and efficient manner.

                How will you communicate with me after I have submitted a claim, and how often?

                You will receive an acknowledgment letter (via postal mail) soon after submitting your claim. We will update you in writing approximately every three weeks to provide you with the status of your claim.

                  If I have a question, how can I get in touch with you?

                  Please call us at 800-777-8467. Our call center is open from 7:00 a.m. until 6:00 p.m. CST Monday through Friday.

                  Need to report a claim?