Estate planning at Kemper
How to protect 6 Kemper accounts — manage beneficiaries online, fund a trust online, and file claims through Kemper's Kemper Life Customer Service (policy changes, ownership assignment, beneficiary updates)
Kemper Life Customer Service
Phone800-777-8467
Mailing Address
Kemper Life Insurance Services, 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017-6039
WebsiteLearn more→
Kemper Life Customer Service (policy changes, ownership assignment, beneficiary updates)
Phone800-777-8467
Mailing Address
Kemper Life Insurance Services, 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017-6039
WebsiteLearn more→
Kemper Life Insurance Services - Life Claims
Phone800-777-1195
Emaillifm28@kemper.com
Fax314-819-4391
Mailing Address
Kemper Life Insurance Services, 12115 Lackland Rd, St. Louis, MO 63146 (fax or email preferred over mail)
General Questions / New Claim
Funeral Home Benefit Verification Fax (Form C-0042)
Funeral Home Benefit Verification Fax (alternate)
WebsiteNotify online→
Verified Jul 2026
With 6 products relevant to estate planning, Kemper policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Kemper are what determine who receives the death benefit.
Beneficiary designations at Kemper can be managed online, by mail, and by phone, typically taking 15-30 minutes to complete; changes are not valid until recorded by the Home Office. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Kemper has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust online, and review 6 account types at Kemper.
View details →When someone dies
Death claim process
Contact Kemper's Kemper Life Customer Service (policy changes, ownership assignment, beneficiary updates) to file a claim. 8-step process, 6 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Kemper's Kemper Life Customer Service (policy changes, ownership assignment, beneficiary updates) at 800-777-8467.
Frequently asked questions
Yes. Under Kemper's policy terms, an irrevocable beneficiary designation cannot be changed without the prior written consent of that beneficiary. This applies regardless of circumstances. If a trust is named as an irrevocable beneficiary, the trustee must provide written consent before any change can be processed. This matters in divorce situations or ILIT arrangements where the trust is named irrevocably. Revocable beneficiary designations, by contrast, can be changed at any time while the insured is alive and the policy is in force by submitting Form C-0013 to the Home Office.
Sources
Data sourced from Kemper primary sources (18 pages reviewed). How we research.
Kemper Life Customer Service
Phone800-777-8467
Mailing Address
Kemper Life Insurance Services, 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017-6039
WebsiteLearn more→
Kemper Life Customer Service (policy changes, ownership assignment, beneficiary updates)
Phone800-777-8467
Mailing Address
Kemper Life Insurance Services, 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017-6039
WebsiteLearn more→
Kemper Life Insurance Services - Life Claims
Phone800-777-1195
Emaillifm28@kemper.com
Fax314-819-4391
Mailing Address
Kemper Life Insurance Services, 12115 Lackland Rd, St. Louis, MO 63146 (fax or email preferred over mail)
General Questions / New Claim
Funeral Home Benefit Verification Fax (Form C-0042)
Funeral Home Benefit Verification Fax (alternate)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Kemper accounts and other assets with trusts, beneficiary designations, and estate planning documents.
