Help protect your loved ones when you can’t be there. Kemper Life SafeguardTM Term Life Insurance is a smart, affordable way to help secure your family’s financial future when the unexpected occurs. It provides insurance coverage to individuals ages 18 to 70 for a set period of time.
Reliable. Flexible. Simple.
Why choose Kemper Life SafeguardTM Term Life Insurance?
Fits your needs and budget
Affordable premiums that stay the same for the entire policy term – a welcomed benefit if you’re starting a family, buying a home, or experiencing other life changing events.
Protects your family
Your loved ones receive a tax-free cash death benefit to help with bills, debts and daily living costs.
Grows with you
If your needs change, you may be able to convert Safeguard into permanent life insurance for lifelong coverage.
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
Pick the level of coverage that fits your lifestyle and budget.
Safeguard 10
Guaranteed coverage for 10 years with a level premium rate; if you need short term protection or are closer to retirement.
Safeguard 20
Guaranteed coverage for 20 years with a level premium rate; ideal for families who rely on your income to cover family expenses.
Safeguard 65
Level premiums until age 65; good option if you want protection through your prime working years.
Safeguard 10 Plus & 20 Plus Riders
Affordable add-on coverage options available with select Kemper Life Cornerstone Whole Life policies*.
Term Life Insurance Frequently Asked Questions
Term life Insurance provides coverage for a set period—often 10, 20, or 30 years. If you pass away during that time, your loved ones receive a death benefit. It’s an affordable way to protect your family when financial responsibilities are highest.
Your coverage lasts for the duration of the term you select. Depending on the policy, this could be a specific number of years or until you reach a certain age. Once the term ends, coverage may expire or offer renewal options.
When your term expires, your coverage stops unless you renew or convert it. Some Kemper Life term policies may allow you to convert to a whole life plan, so you can keep lifelong protection without taking a new medical exam. Talk to a Kemper Life agent today to learn more.
Term life is ideal for adults in their working years who have financial dependents, such as children, a spouse, or a mortgage. It helps ensure your loved ones are protected if the unexpected happens during your income-earning years.
In most cases, yes. Talk to one of our Kemper Life agents today to learn more.