Reserve National

A Kemper Life & Health Company

Right products, Right approach, Right value ^™

For help choosing the policy that’s right for you click on find an agent, or call us toll free at 1-800-654-9106.

Accident Policies

Coverage in the event of an accidental injury or death. Depending on the coverage you select, these policies can pay from a few hundred dollars to over $50,000.

"Affordable Cost Solution" Fixed Indemnity Policy

An innovative policy that provides cash benefits for hospitalization, surgery, preventive care and other treatments, with no deductible.

Hospital Confinement Cash Policy

Concerned about the potential devastating financial consequences of a hospital stay? Our policy pays up to $4,000.00 per day for each day in the hospital, in addition to any other coverage you have.

	Supplemental Outpatient Policies Coverage that helps with outpatient treatment, such as emergency room, x-rays, lab work, CT scan, MRI's, physical therapy, chiropractic care and office visits.
	Supplemental Dental and Vision Expense Policy The best medicine is preventive! This coverage makes it possible for everyone to receive proper dental and vision care – from routine cleanings and eye exams to comprehensive dental procedures and more.
	"Secure-A-Future" A Whole Life Insurance Policy Guaranteed Insurability for your child with an affordable one-time premium until age 23! (No medical or physical required.) Then they can convert it to a $25,000 permanent Life policy with additional benefits.

Medicare Supplement Insurance

Fill the gaps in the amounts paid by Medicare at competitive rates. Several "standard" plans to choose from.

Worried about in-home care, getting discharged from the hospital too quickly or keeping your independence at home instead of a nursing home? This policy can help cover prescription drugs, eye exams, and private duty nursing, as well as routine physical exams.

Life Insurance

Help surviving family members or beneficiaries in the event of a death. Our life policies have many features that make this policy easy to obtain and develop real cash value.

Critical Illness Indemnity Policy

Concerned about the cost of cancer, a heart attack or other serious conditions? Our policies can pay up to $250,000 or a lump-sum benefit up to $50,000 upon the first diagnosis of a covered condition.

Cancer Indemnity Plans

If you are ever diagnosed with cancer this policy will provide you with funds when you need it most. This indemnity plan will pay you lump-sum cash benefits direct to you or your doctor—you decide.

HeartCare Indemnity Policy

Protect your family from the financial burdens of a heart attack. With this policy you pick the amount of coverage that is right for you. The lump-sum cash benefit can be paid direct to you or your doctor.

Specified Disease Policy

Coverage for expenses associated with hospitalization, surgery and other treatment of the six “serious” covered diseases. With this policy you only have to pay the deductible once in your lifetime for each of the covered diseases while the policy is in force.