You plan for the bills you know are coming; Rent or a mortgage, groceries, car payments, utilities to name a few. But what about the costs you don’t see coming?
An accident, cancer diagnosis, or heart attack can change your plans quickly. Along with taking care of your health, you may have new expenses or miss time at work. That can put added pressure on your family budget. That’s why many families consider additional insurance as an extra layer of protection. It’s backup coverage that can provide cash benefits when certain unexpected events happen. It works alongside other insurance you may already have and can provide added financial support when you need it.
Kemper Life offers three additional insurance options that can help provide a needed layer of protection: Accident Insurance, First Occurrence Cancer Insurance and First Occurrence Heart Attack Insurance. Here’s a closer look at how each one works and why you may want to consider it.
When an Accident Interrupts Everyday Life
Accidents can happen almost anywhere—at home, at work, in the car, while traveling, or enjoying your free time.
In fact, the Centers for Disease Control and Prevention (CDC) reports 26.2 million emergency department visits for unintentional injuries in the United States.
An injury may also mean time away from work or other expenses. Kemper Life Accident Insurance provides cash benefits for covered accidental injuries and other covered events. That added financial support can help when an accident suddenly changes your normal routine.
When a Cancer Diagnosis Affects More Than Your Health
A cancer diagnosis can bring concerns that go well beyond medical care.
The National Cancer Institute (NCI) calls the financial problems caused by the cost of medical care “financial toxicity.” The NCI reports that cancer survivors generally have higher out-of-pocket health care spending than people without a history of cancer. Some survivors report spending more than 20% of their annual income on medical care.
There can also be another challenge: missing work. Cancer treatment may affect a person's ability to work and pay everyday bills.
Kemper Life First Occurrence Cancer Insurance provides a benefit following the first diagnosis of certain covered cancers. That benefit can provide another source of financial support at a time when your focus may be on treatment and recovery.
When a Heart Attack Happens Unexpectedly Heart attacks are more common than people may realize.
According to the American Heart Association's 2026 Heart Disease and Stroke Statistics Update, approximately every 40 seconds someone in the United States has a heart attack. The AHA estimates about 605,000 new heart attacks and 200,000 recurrent heart attacks happen each year.
Recovery may also mean follow-up care, medication, cardiac rehabilitation, or lifestyle changes.
Kemper Life First Occurrence Heart Attack Insurance provides a benefit following a first covered heart attack. That extra financial protection can help you and your family manage expenses while you focus on moving forward.
Protection for the Life You’re Living
You can’t know when an accident or serious health problem may happen, but you can learn about your options before you need them.
Take some time to look at the insurance coverage you already have and consider where you may want additional protection. A Kemper Life agent can explain how Accident Insurance, First Occurrence Cancer Insurance and First Occurrence Heart Attack Insurance work and help you discuss options that may fit your needs and budget.
If you’re not sure whether additional insurance could be right for you, a Kemper Life agent can explain your options and what is available in your state.
Protecting your family isn’t just about preparing for what happens someday but helping protect the life you’re living today.
Accident and Health insurance provided by: The Reliable Life Insurance Company, United Insurance Company of America, Union National Life Insurance Company, Mutual Savings Life Insurance Company in the states where each company is licensed and offering coverage. Each company has sole financial responsibility for its own products. Home Office: Chesterfield, Missouri. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Optional: Please contact your agent or nearest district office for more information.
Kemper Life pays a lump-sum cash benefit upon diagnosis of cancer or heart attack for the first time. This benefit can be used as supplemental income to major medical or life coverage, or for any expenses resulting from or related to the diagnosis. Certain restrictions do apply, and Cancer or Heart Attack Insurance may not be available in all states. Coverage may have a waiting period following enrollment.
Kemper Life provides coverage in the case of an unforeseen accident, including: accidental death, hospital or extended care expenses, travel accident, and loss of sight or dismemberment. Accident insurance is not comprehensive health insurance. Accident insurance premiums, coverage, and benefits will vary by state.
Contact your agent for complete benefit details, definitions, limitations, and exclusions.