Reserve National Insurance Company Reserve National: A Kemper Life and Health Company. Call Us Toll Free at 800.654.9106
Right products, Right approach, Right value
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Snow Skier

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.

Medicare Supplement Insurance

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

Home Health Care Policy

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. 

Medical Gap Protection

Are you insured but not covered? This policy helps cover gaps in your existing coverage including expenses from copays, deductibles and out-of-pocket expenses that can add up quickly. 

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Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America or Reserve National Insurance Company. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.

For New Mexico, the producer is Robert Lumpford and his National Producer Number (NPN) is 1266980.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not "minimum essential coverage" under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.