How to name beneficiaries and fund a trust at Kemper
Covers 6 insurance accounts — beneficiaries can be managed online
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 with Kemper policies centers on beneficiary designations—the single most important step for ensuring life insurance proceeds and annuity benefits reach the intended recipients without probate involvement. Unlike bank or brokerage accounts, insurance products are not retitled into trusts; instead, trusts are named as beneficiaries when estate tax planning or controlled distributions are needed.
Kemper offers 6 policies, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Kemper Life Safeguard™ Term Life InsuranceKemper Life Cornerstone™ Whole Life InsuranceKemper Life Legacy™ Graded Death Benefit Life InsuranceKemper Life Accident and Health InsuranceKemper Personal Auto InsuranceKemper Life Contents/Fire Insurance
1
Open the Kemper Life eForms portal at https://kemper.exlservice.com/equotes/ (the portal serves United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, Mutual Savings Life Insurance Company, and policies Kemper administers for Jackson National Life Insurance Company)
2
Select "Initiate a Policy Change" and choose "Complete Form" — this is the electronic version of Form C-0013 and covers beneficiary updates, ownership changes, and name/address changes
3
Complete all required fields: beneficiary full legal name, relationship to insured, date of birth, Social Security Number, and mailing address
4
Indicate primary and contingent beneficiaries with the allocation percentage for each
5
For a trust beneficiary, enter the trust's full legal name and date of trust and attach a copy of the trust agreement
6
Submit electronically. Section II of Form C-0013 warns that an irrevocable beneficiary designation cannot be changed without that beneficiary's prior written consent, and that the change must reach the Home Office while the insured is alive and the policy is in force
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary change must be submitted to the Home Office while the insured is alive and the policy is in force
- An irrevocable beneficiary designation cannot be changed without the prior written consent of that beneficiary
- If no named beneficiary survives the insured, Form C-0013 states the proceeds are payable to the insured's estate (and therefore pass through probate)
- To name a trust as beneficiary, a copy of the trust agreement must be provided
- Required beneficiary information: full legal name, relationship to insured, date of birth, Social Security Number, and mailing address
- One Form C-0013 per policy number
- If a funeral home is named as beneficiary, the death benefit payable to the funeral home is limited under the terms printed on Form C-0013
Sources
Data sourced from Kemper primary sources (18 pages reviewed). How we research.
Download these Kemper instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Kemper primary sources. Bring it to the branch or keep it beside the phone.
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.
