Contact Information
For inquiries regarding your Kemper life insurance policy or to make a payment, you can reach us through various channels.
Phone Support
Our phone lines are open Monday through Friday, 8:00 AM to 8:00 PM CST. You can reach our dedicated customer service team at 1-800-628-6030.
Payment Options
Kemper Life Insurance offers several convenient ways to make your premium payments. Each payment method has its own advantages and disadvantages, so it’s important to choose the option that best suits your needs.
Online Payments
Making a payment online is a quick and easy way to ensure that your premium is paid on time. You can make a one-time payment or set up automatic payments from your checking or savings account.
Pros:
* Convenient and easy to use
* Automatic payments ensure that your premium is never late
* You can view your payment history and account information online
Cons:
* You may need to create an online account
* Some banks may charge a fee for online payments
Steps to Make an Online Payment:
1. Visit the Kemper Life Insurance website
2. Log in to your online account
3. Click on the “Make a Payment” tab
4. Enter the amount you wish to pay
5. Select your payment method
6. Click on the “Submit” button
Phone Payments
You can also make a payment over the phone by calling Kemper Life Insurance’s customer service number. A representative will assist you with the payment process.
Pros:
* Convenient and easy to use
* You can speak to a representative if you have any questions
* You can make a payment even if you don’t have an online account
Cons:
* May take longer than making a payment online
* You may be charged a fee for making a payment over the phone
Steps to Make a Phone Payment:
1. Call Kemper Life Insurance’s customer service number: 1-800-536-7371
2. Follow the prompts to make a payment
3. Provide the representative with your policy number and payment information
4. Confirm the payment amount and submit your payment
Mail Payments
You can also mail your payment to Kemper Life Insurance. Be sure to include your policy number and payment amount on the check or money order.
Pros:
* Convenient if you don’t have access to the internet or a phone
* You can mail your payment at any time
Cons:
* May take longer than making a payment online or over the phone
* You may need to pay a postage fee
Steps to Make a Mail Payment:
1. Write a check or money order for the amount of your premium
2. Include your policy number on the check or money order
3. Mail your payment to:
Kemper Life Insurance
P.O. Box 6250
Schaumburg, IL 60193-6250
Payment Due Dates and Grace Periods
Kemper life insurance premiums are due on the first day of each month. If your payment is not received by the due date, you will have a grace period of 31 days to make the payment without penalty. After the grace period, your policy will lapse and you will no longer be covered.
Late Payment Penalties and Fees
If you make a late payment, you may be charged a late payment fee. The amount of the late payment fee will vary depending on the amount of your premium and the length of time that your payment is late. In addition, your policy may lapse if you do not make your payment within the grace period.
Payment History and Statements
Keep track of your payment history to ensure timely payments and avoid any potential lapses in coverage. Our online portal provides easy access to your payment records.
Accessing Payment History and Statements Online
Log in to your Kemper Life Insurance account to view your payment history and statements. Once logged in, navigate to the “Payments” section to access your records. You can filter the results by date range or payment status.
Requesting a Copy of a Payment Statement
If you need a physical copy of a payment statement, you can request one by contacting our customer service team. Please provide your policy number and the date range of the statement you require.
Importance of Keeping Track of Payment Records
Maintaining accurate payment records is crucial for several reasons:
- Ensure timely payments to avoid policy lapses.
- Track your payment history for tax purposes.
- Provide documentation of payments in case of any disputes or inquiries.
Payment Troubleshooting
If you encounter difficulties making a payment, here are some common problems and their solutions:
To resolve payment issues, you can contact customer support at [phone number].
To avoid payment problems in the future, consider the following tips:
Common Payment Problems
- Incorrect payment information: Verify that the account number, routing number, and amount are correct.
- Insufficient funds: Ensure that your account has sufficient funds to cover the payment.
- Payment not processed: Check with your bank or credit card company to confirm that the payment was processed.
- Late payment: Make payments on time to avoid late fees and potential policy lapse.
- Payment method declined: Contact your bank or credit card company to resolve any issues with your payment method.
