Reliable Life Insurance Review [Get Help Here]

Most likely you’re reading this article because you have questions about Reliable Life Insurance. 

If you own an old policy with Reliable Life Insurance, you might be wondering how to navigate the new system after the company joined the Kemper Corporation. 

For example:

  • Can you still get in touch with your old agent or should you look for a new one? 
  • What is the best way to get help with your existing policy or file a claim? 

In this article I’ve rounded up everything you need to know about Reliable Life Insurance to show you how to best benefit from their services. 

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Who Is Reliable Insurance?

Established in 1912, Reliable Life Insurance is one of the oldest and largest home service companies in the United States. 

As a home service company, Reliable is dedicated to personally contacting its customers for premium collection and any other life insurance services.

It offers affordable insurance products for individuals in the lower and moderate-income market.

In 1997, Reliable Life Insurance was purchased by Unitrin, a company offering life and health insurance coverage plans that changed its name to Kemper in 2011. 

Reliable Life is today one of four Kemper Life companies and a wholly owned subsidiary of Kemper Corporation, one of the largest insurance companies in the country. 

With headquarters in Missouri, it provides insurance for clients in Missouri, Texas, and Arkansas.

How Can I Contact Reliable Life Insurance?

There are several ways to get in touch with the company for all inquiries regarding your existing policy with Reliable Life Insurance: 

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By mail

Kemper Corporation – Reliable Life Insurance
12115 Lackland Road 
Saint Louis
MO 63146

You can find contact information for the offices in Missouri, Texas, and Arkansas on the Kemper Life website. 

By phone

You can speak to a Reliable Life representative by calling their customer service toll-free at (800) 777-8467. 

By fax

Reliable Life Insurance direct fax number is (314) 819-4786.


The Reliable Life Insurance Facebook page contains contact details, customer ratings, and the latest news about the company.


The Kemper Life website provides essential information about various life insurance options with Reliable Life Insurance.

Common forms

The most frequently used forms are available for download online on the Kemper Life website. Here you will find detailed guidelines on how to file a claim

You can also access links to the Reliable Life Insurance death claim form as well as other commonly used forms.

What Does Reliable Life Insurance Offer?

Reliable Life Insurance offers a complete line of life insurance. 

Its portfolio includes: 

  • whole life, 
  • limited pay whole life, and, 
  • term life insurance, with variations to each type of insurance. 

Your agent will help you evaluate which product or combination of products best meet your personal needs and financial situation. 

Whole life insurance

Whole life insurance provides coverage for life at a constant premium paid over time. In addition to paying a death benefit, it also contains a savings component in which cash value accumulates over time. 

Limited pay whole life insurance

With the limited pay option, you can cover the total cost of your premiums during a limited period of time. After that, the policy remains in force, but you no longer need to pay premiums.

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Term life insurance

The term life insurance guarantees coverage for a certain number of years. Premiums are generally lower than whole life insurance, however, the insurance doesn’t build any cash value.

* Product availability may vary from state to state. Contact your agent or nearest office for more information.

Reviews of Reliable Life Insurance 

Reliable Life Insurance has mixed customer reviews, indicating some dissatisfaction with customer service and issues with claim denials. 

Can I Get a New Policy From Reliable Life Insurance?

It is fully possible to obtain a new policy from Reliable Life Insurance. 

When you get in touch with the company, you will be assigned an agent who will assist you in every step of the insurance process, from helping you choose the product to making any policy changes and filing a claim.

However, a new policy from Reliable Life Insurance may *not* be the best deal.

What Should I Do If I Want Additional Life or Burial Insurance?

If you need more coverage due to changes in your financial situation or life circumstances, we can help!

At Buy Life Insurance For Burial, we help people throughout the country find affordable, high-quality burial insurance, right from the comfort of their home.

We represent a variety of burial insurance companies and shop the highest-rated companies to find you the best deal.

If you’re looking for burial insurance for:

We can help!

How To Get Your Free Quote Now

Interested in a free life insurance quote? 

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Here’s what you need to do:

  • Fill out the “Request A Quote” form on the top or side of the screen. If you are on a smartphone, you may see an arrow near the top part of your screen. Click on that to request a quote.
  • Or, call us now at 888-626-0439 to speak to one of our friendly representatives, and we’ll have a quote within 10 minutes or less with no obligation.
  • Lastly, you may send us a message here.

Disclaimer: We are not in any way affiliated with Reliable Life Insurance. In fact, we are a direct competitor of theirs. This article is our personal review of the company. If you are looking to contact Reliable Life Insurance directly, call them at (800) 777-8467.