© 2026 SimplyTrust Software Inc.
Prepare the letter of instruction Kemper requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 6
The deceased insured and the Kemper Life policies being claimed. This form covers policies with United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, or Mutual Savings Life Insurance Company.
Maiden name, nickname, initials, or common name (if any).
FREE & PRIVATE: This form is free—no account or credit card required. Your document contents and generated PDF never leave your browser—SimplyTrust does not transmit or store them. Contact details you provide (name, email, phone, state) are transmitted only to send the updates you agree to receive at download. You are responsible for saving your completed document.
SELF-HELP SERVICE: SimplyTrust provides a self-help document preparation service. We are not a law firm and cannot provide legal advice, select forms for you, or tell you how to complete forms. Our role is limited to providing a platform where you input your own information into document templates.
NOT LEGAL ADVICE:This document was created entirely based on your selections. SimplyTrust does not review, analyze, or verify your entries, nor do we verify your identity, capacity, or authority to act. You are solely responsible for determining whether this document meets your needs and for completing all required execution formalities (signatures, witnesses, notarization, or recording) in accordance with your state's laws. For any legal questions, consult a licensed attorney in your state.
Send it to Kemper's estate/claims department: Kemper Life, Life Claims, 1350 Timberlake Manor Parkway, Suite 200, Chesterfield, MO 63017. You can reach the department at 800-777-1195.
Kemper lists these among its required documents: Completed Claimant Statement (signed by the beneficiary); Certified copy of the death certificate; Additional documentation may be required if: the policy is less than 2 years old, accidental death benefit applies, or divorce is involved; For funeral homes: Form C-0042 Life Claim Benefit Verification Request. The prepared letter includes an enclosure checklist drawn from Kemper's recorded requirements.
Benefits verified within 24 hours of receiving complete documentation for most claims; written status updates approximately every three weeks
Kemper provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
