When Someone Depends on You, Protection Matters

If you have children, a partner, or family members who rely on your income, having a plan in place matters. Term life insurance offers simple, affordable coverage designed to help protect your loved ones from everyday responsibilities like rent, car payments, utilities, and childcare.

Major life responsibilities such as starting a family, taking on childcare, and managing everyday bills need practical protection. Term life policies are built to be affordable and flexible so coverage fits your life and budget.

Why Many Young Adults Skip Life Insurance

Many people think life insurance is expensive. In fact, quite a few Gen Z’s and Millennials overestimate the median cost 10 to 12 times more than its true cost,¹ according to the 2025 Life Insurance Marketing and Research Association (LIMRA).

The truth? Affordable life insurance such as Kemper Life Safeguard™ Term Life Insurance may cost less than your streaming subscriptions each month. Also, 40% of Americans believe they need more life insurance. That's close to 100 million adults ² based on LIMRA’s 2025 Insurance Barometer Study. So, if you’ve been thinking about it, you’re not alone.

Review Your Monthly Bills

Take a moment to review a list of your expenses. It may include:

• Rent or mortgage
• Car payment
• Utilities
• Groceries
• Childcare
• Clothing
• Student loans

Now ask yourself: What would happen if your income suddenly stopped? It’s not an easy question, but it’s an important one. How would your family pay the bills if something happened to you – not including funeral and final expenses? Would they have to ask family and friends for donations or rely on crowdfunding to raise money?

According to the 2025 Insurance Barometer Study by LIMRA and Life Happens, 47% of households say they would face financial hardship within six months if a primary wage earner passed away ³. That means almost half of families could struggle fast.

If someone depends on you, even part of the time, you are their safety net. Kemper Life Safeguard™ Life Insurance helps you build a backup plan.

How Kemper Life Safeguard™ Fits Your Life

 You don’t need a big house or expensive cars to consider life insurance. You just need someone who would miss your paycheck. That’s where Kemper Life Safeguard™ Term Life policies come in. Here are two that offer quality protection:

Safeguard™ 20: Protects Income During your Active Years

Your 20s and 30s are often the busiest years of life. You may be raising young kids, paying off a mortgage, building your career, or managing childcare costs.

Safeguard™ 20 can help protect your income during the years your children are growing up. If something happens to you, the policy can help your family pay the rent, utilities, groceries, and childcare expenses. It’s about keeping life stable when everything feels uncertain.

Safeguard™ 10: Can Cover Specific Debts

 Maybe you don’t need long-term coverage. Maybe you just want to cover a car or personal loan, student debt, or short-term financial expenses. Safeguard™ 10 gives you protection for the 10-year term of the policy. This works well for these needs, which can match the years you’re paying off certain debts. That means if the unexpected happens, your family wouldn’t have to take on those payments alone.

Built for Your Budget 

 If your income is on the modest side, every dollar counts. That’s why affordable life insurance like Kemper Life Safeguard™ policies are designed to be flexible, so coverage can fit your life and your budget.

Additionally, Safeguard™ policies offer convertibility. That means you may have the option to convert your term policy to permanent coverage later as your needs change. If your income grows or your goals shift, your protection can grow too. That’s generational stability.

Life Insurance has Its Benefits

You don’t buy term life insurance because you expect something bad to happen, but to ensure something beneficial happens in the event of a loss. Buying life insurance like Kemper Life Safeguard™ is the responsible thing to do.

Find a Kemper Life agent near you to learn more about life insurance and how Kemper Life Safeguard™ Term Life Insurance can help protect your income, family, and future.

Sources:

1. LIMRA & Life Happens, 2025 Insurance Barometer Study – https://www.limra.com/en/newsroom/news-releases/2025/adults-age-30-and-younger-overestimate-life-insurance-cost-by-1012-times/
2. 2025 Facts About Life Insurance https://www.limra.com/siteassets/newsroom/liam/2025/2025_facts_about_life_insurance.pdf
3. 2025 Facts About Life Insurance https://www.limra.com/siteassets/newsroom/liam/2025/2025_facts_about_life_insurance.pdf

Kemper Life is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Life insurance provided by: The Reliable Life Insurance Company, United Insurance Company of America, Union National Life Insurance Company, Mutual Savings Life Insurance Company. Home Office, St.Louis, Missouri. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues. This material is for informational purposes. Consider your own financial circumstances carefully before making a decision, and consult with your tax, legal, or estate planning professional. Coverage and pricing for products issued by Kemper Life and its subsidiaries vary by state and individual eligibility. Ask your agent for full policy details and exclusions.