Senior SolutionS
Guaranteed Issue
Whole Life Insurance Plan
B-MWL-SS (08/12)
Insurance Benefits Provided by reserve national insurance Company
Providing Life and Health Insurance for over 55 Years
Insurance Benefits Provided by reserve national insurance Company
A Kemper life & Health Company
Peace of
Mind
Starts
Here
Kemper Corporation
1brings a high level of
personalized service to their customers. Here
are a few things you should know about us:
• Our focus is on meeting the needs of our
policyholders. With our finger on the pulse
of the ever-changing healthcare industry
we continue to develop new and innovative
solutions for our clients’ needs.
• More than 6 million policyholders have their
basic insurance and financial needs met
by our nationwide network of career and
independent agents.
• With over $8 billion in assets, we employ over
6,500 associates.
• We are led by a seasoned management team
that values ethical behavior and no-nonsense
business results.
reserve national insurance Company is a
Kemper life and Health company. Here is a
brief overview of our company and our ability to
provide you with a policy and a service you can
depend on:
• Stability. Reserve National stands for
integrity, fairness and financial stability. Our
company has the approval and confidence of
policyholders throughout the country.
• Financial Rating. Reserve National Insurance
Company has held a prestigious “A-Excellent”
rating for our overall financial stability, by A.M.
Best Company, one of the leading insurance
rating companies in the country.
• Our People. Our team is a family, from our
home office to our agents across the nation.
We work together to assure you get the
products and services you deserve, with
unsurpassed attention to customer service.
Our focus is on you, the policyholder.
A History of excellence
We believe the right insurance plan for you, is the one that meets your needs and comes
from a company you can trust.
1 Neither Kemper nor any of its other subsidiaries is responsible for the
Protecting your family in their
time of need.
Our Guaranteed Issue Whole Life Insurance
Plan is an affordable solution that offers you
the peace of mind that your family will be
provided for in the event of your death.
WHAT THE GUARANTEED ISSUE LIFE
inSurAnCe PlAn MeAnS to You:
• You are not required to answer any
questions about your health when
applying for this policy.
• For accidental death anytime the policy in force, you receive the face
amount you selected on your application: $25,000, $20,000, $15,000,
$10,000 or $5,000.
• For non-accidental death after the second policy year, you receive the
face amount you selected on your application: $25,000, $20,000, $15,000,
$10,000 or $5,000.
• For non-accidental death anytime during the first two policy years, you
receive 120 PERCENT of premiums paid.
• You can borrow from the cash value of the policy for the necessary
premium to prevent the policy from lapsing.
• Smokers pay no more premium than non-smokers.
• Your policy can never be cancelled if your premium is paid.
• Your premium is guaranteed never to increase.
• Issue ages for this policy are 40 through 80. You choose the death
benefit that fits your needs: $25,000, $20,000, $15,000, $10,000 or $5,000.
Guaranteed issue Whole life insurance Plan
This is a brief description of benefits only. Only the actual policy provisions will control. Benefits and policy provisions may vary by state.
Policy Form MWL-97
CHooSe Your
BENEFIT:
$25,000
$20,000
$15,000
$10,000
$ 5,000
Whole life Monthly Premiums
issue
$5,000
$10,000
$15,000 $20,000 $25,000
Age
Male Female Male Female Male Female Male Female Male Female
40 $ 26.04 $ 22.67 $ 47.90 $ 41.18 $ 69.78 $ 59.68 $ 91.65 $ 78.18 $113.52 $ 96.69 41 $ 26.46 $ 23.01 $ 48.76 $ 41.85 $ 71.05 $ 60.69 $ 93.35 $ 79.53 $115.64 $ 98.38 42 $ 26.89 $ 23.35 $ 49.61 $ 42.53 $ 72.33 $ 61.71 $ 95.05 $ 80.90 $117.77 $100.09 43 $ 27.31 $ 23.69 $ 50.45 $ 43.21 $ 73.59 $ 62.74 $ 96.73 $ 82.27 $119.88 $101.79 44 $ 27.73 $ 24.03 $ 51.30 $ 43.90 $ 74.87 $ 63.77 $ 98.43 $ 83.64 $122.00 $103.50 45 $ 28.15 $ 24.37 $ 52.15 $ 44.57 $ 76.13 $ 64.78 $100.11 $ 84.98 $124.11 $105.18 46 $ 28.50 $ 24.84 $ 52.84 $ 45.51 $ 77.17 $ 66.18 $101.50 $ 86.85 $125.84 $107.52 47 $ 28.81 $ 25.27 $ 53.47 $ 46.39 $ 78.12 $ 67.49 $102.76 $ 88.60 $127.42 $109.71 48 $ 29.48 $ 26.07 $ 54.80 $ 47.98 $ 80.10 $ 69.88 $105.41 $ 91.78 $130.73 $113.68 49 $ 29.73 $ 26.45 $ 55.30 $ 48.72 $ 80.87 $ 71.01 $106.43 $ 93.28 $132.00 $115.56 50 $ 29.96 $ 26.79 $ 55.76 $ 49.41 $ 81.56 $ 72.05 $107.35 $ 94.67 $133.14 $117.29 51 $ 30.79 $ 27.41 $ 57.42 $ 50.65 $ 84.04 $ 73.89 $110.67 $ 97.13 $137.29 $120.37 52 $ 31.57 $ 27.99 $ 58.96 $ 51.80 $ 86.37 $ 75.61 $113.77 $ 99.43 $141.16 $123.25 53 $ 32.29 $ 28.88 $ 60.42 $ 53.58 $ 88.54 $ 78.29 $116.67 $103.00 $144.79 $127.71 54 $ 32.96 $ 29.37 $ 61.76 $ 54.56 $ 90.56 $ 79.75 $119.35 $104.95 $148.15 $130.14 55 $ 33.58 $ 29.82 $ 63.00 $ 55.47 $ 92.41 $ 81.12 $121.84 $106.77 $151.25 $132.42 56 $ 34.59 $ 30.70 $ 65.02 $ 57.22 $ 95.44 $ 83.76 $125.87 $110.28 $156.29 $136.81 57 $ 35.53 $ 31.52 $ 66.89 $ 58.87 $ 98.26 $ 86.23 $129.62 $113.58 $160.98 $140.93 58 $ 36.40 $ 32.29 $ 68.61 $ 60.41 $100.84 $ 88.53 $133.07 $116.65 $165.29 $144.77 59 $ 37.44 $ 33.20 $ 70.72 $ 62.24 $103.99 $ 91.28 $137.26 $120.32 $170.54 $149.35 60 $ 38.45 $ 34.09 $ 72.73 $ 64.00 $107.01 $ 93.91 $141.28 $123.83 $175.56 $153.75 61 $ 39.69 $ 35.24 $ 75.21 $ 66.30 $110.73 $ 97.36 $146.25 $128.43 $181.77 $159.50 62 $ 41.17 $ 36.58 $ 78.17 $ 68.98 $115.17 $101.39 $152.19 $133.80 $189.19 $166.21 63 $ 42.69 $ 37.95 $ 81.22 $ 71.73 $119.74 $105.51 $158.27 $139.30 $196.79 $173.08 64 $ 44.19 $ 39.01 $ 84.21 $ 73.84 $124.23 $108.68 $164.25 $143.52 $204.27 $178.35 65 $ 45.66 $ 40.34 $ 87.15 $ 76.52 $128.64 $112.69 $170.14 $148.87 $211.63 $185.04 66 $ 48.61 $ 42.90 $ 93.05 $ 81.63 $137.49 $120.36 $181.93 $159.10 $226.38 $197.84 67 $ 51.46 $ 45.48 $ 98.75 $ 86.81 $146.04 $128.13 $193.33 $169.45 $240.63 $210.77 68 $ 54.33 $ 48.03 $104.48 $ 91.91 $154.64 $135.78 $204.80 $179.65 $254.96 $223.52 69 $ 57.19 $ 50.28 $110.20 $ 96.38 $163.22 $142.49 $216.24 $188.60 $269.25 $234.71 70 $ 60.07 $ 52.55 $115.96 $100.93 $171.86 $149.32 $227.75 $197.70 $283.65 $246.08 71 $ 63.18 $ 55.09 $122.19 $106.01 $181.20 $156.93 $240.22 $207.85 $299.23 $258.77 72 $ 66.26 $ 57.60 $128.36 $111.03 $190.46 $164.47 $252.55 $217.90 $314.65 $271.34 73 $ 69.37 $ 60.43 $134.57 $116.69 $199.77 $172.95 $264.97 $229.22 $330.17 $285.48 74 $ 72.43 $ 63.22 $140.70 $122.29 $208.97 $181.34 $277.23 $240.40 $345.50 $299.46 75 $ 75.41 $ 65.94 $146.66 $127.71 $217.90 $189.48 $289.15 $251.25 $360.39 $313.02 76 $ 81.30 $ 71.49 $158.43 $138.82 $235.57 $206.14 $312.70 $273.47 $389.83 $340.80 77 $ 87.08 $ 76.38 $169.98 $148.58 $252.89 $220.79 $335.80 $293.00 $418.71 $365.21 78 $ 92.84 $ 81.76 $181.50 $159.36 $270.17 $236.96 $358.84 $314.55 $447.50 $392.15 79 $ 98.48 $ 86.87 $192.79 $169.57 $287.10 $252.26 $381.40 $334.96 $475.70 $417.67 80 $104.11 $ 92.70 $204.04 $181.22 $303.98 $269.75 $403.92 $358.28 $503.86 $446.82
these rates may not be applicable in all states. Please refer to required forms list for appropriate brochure for each
state. Multiply monthly rate for age by 12 to determine annual rate.
