Complaints

This profile includes complaints for Kemper Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Kemper Corporation

  200 E Randolph St Sutie 3300 Chicago, IL 60601-6436

  
• 

  Kemper Life

  1373 Broad St Ste 303 Sutton Plaza Clifton, NJ 07013

  
• 

  Kemper Life

  33 Rock Hill Rd Ste 130 Fl 1 Bala Cynwyd, PA 19004

  
• 

  Kemper Corporation

  104 N 7th St Lemoyne, PA 17043

  
• 

  Kemper Life

  135 Merchant St Ste 250 Cincinnati, OH 45246

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/21/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I cancelled my auto insurnace with Kemper on May 10. I was informed that the remaining amount would be credited back to me by check to my mailing address, within ***** days. It has been more than 2 months, and I have still not received my refund. I have spoken to Kemper a handful of times and each time they have said that the check was mailed.I have already asked them to cancel the first check they sent, and asked to send another one. I have still not received it. Can you please help in getting my refund? I'm not sure why its taking this long- I have confirmed my address with them over the phone, and they have the correct mailing address as well.The cancelled policy number is: ***********

  

  Business Response

  Date: 08/04/2025

  Attached, please find the submitted response letter for this complaint.

  Customer Answer

  Date: 08/05/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *********

• Initial Complaint

  Date:07/11/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  my name is **** **** *****.I have a commercial policy with KEMPER INSURANCE #*********** SINCE JUNE ********* called to cancel my policy and they asked me to send proof of the new insurance and a letter signed by me requesting the cancellation.I did everything as they asked.Every two days i call to find out if they canceled me and i have spoken with several representatives and they all tell me the same thing: that the system has problems cancelling my policy.I need you to help me with this,thank you

  

  Business Response

  Date: 07/23/2025

  Hello,

  Please see our attached response for file 23588082.

  Please advise if further assistance is needed.

  Thanks,

  Regulatory Administration
  ************************************************************************************
  ************
  ***************************************************************************************

  Customer Answer

  Date: 07/28/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** **** *****

• Initial Complaint

  Date:07/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I,******* ******* filing a complaint against Kemper Life Insurance for not returning my money I had paid my insurance for 3 to 4 years.They that worked for Kemper Life said I couldnt get any other life insurance because of my mental medicine.I want to resolve this to get my money refund to me.

  

  Business Response

  Date: 07/16/2025

  Please see attached for the response for file ******** for ******* *******

• Initial Complaint

  Date:07/03/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A claim was filed for my mother who had passed. My Dad and I have given them all documentation they have asked for to pay the claim. Every time I call I get an individual from ********, ***** and says they cant transfer me to anyone who can answer the question of why has the check not been sent out. The documentation was sent on June 10, 2025 and resent on June 23, 2025. Every time we call to get an update on the payment being sent there is an excuse. Pay the claim. This is poor business practice to delay payments to people who have bought and paid out policies with your company. Hire better customer service staff and stop sending people in loops to get what is rightfully owed.

  

  Business Response

  Date: 07/16/2025

  Please see attached for the response to BBB file ******** for **** ******. 

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23552656
  
  I am rejecting this response because:

  all documents requested have been sent by email and mail. The death certificate, divorce decree and claimants statement have been sent and signed by the beneficiary. 
  We dont have DNA or blood to provide. 
  what other information could you possibly need? 
  The response is unacceptable and unprofessional. 
  please provide a phone number to speak with someone in the United States and not ********, *****. They are absolutely no help. 
  ( which is exactly why you hire these people) 
  
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 07/21/2025

  Please see attached for response to rejection letter. 

  Customer Answer

  Date: 07/23/2025

   
  Complaint: 23552656
  
  I am rejecting this response because:

  the claim has yet to be paid. We are now having to submit more documents. I want to keep this open until the claim is paid. 
  

  I was told and cant find this law anywhere: that the beneficiary, my father, ****** ***** can not be the beneficiary of the policy, even though I was told we must send a divorce decree in order for him to get paid. This cost me $50 to order from the state of ********

  This claim was not going to paid out and is super sad for customers who have paid out policies that ********************** has bought  I am still extremely disappointed and upset that this is how this has happened.

  i have personally been dealing with this claim since March of 2025  

   

  Then, they sent a beneficiary statement to my brother, nothing to me and wouldnt have ever sent anything to me had I not filed this claim with BBB. We will be sending the documents back to KEMPER. 
  Will we actually get paid? That is yet to be determined. 
  Please do not close this claim. 
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:07/01/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a claim with Kemper Insurance. In this claim #***********, the adjuster was **** *******. **** issued me a check ending 884 on 04/11/2025 for the amount of $1,126.29. I went to the bank to deposit the check that were mailed to me due to this claim on 06/06/2025. I was able to deposit them without any issues. On 06/07/2025,the funds from the checks were available so I withdrew them. On 06/11/2025, I receive an email from **************** indicating that my account is in the negatives. The check ending 884 for the amount of $1,126 was placed on hold. I go to the ***** Fargo branch and they tell me that the check was just being investigated a bit more but that it should be released the next day. On 06/12/2025 I check my bank account and it says that the check was returned. I immediately call the bank and the representative notifies me that the check ending in 884 was returned due to it not being authorized. I then proceed to call Kemper. Im able to speak to a representative in the Kemper claims department and they notify that the check ending in 884 for the amount of $1,126.29 was voided on 05/20/2025 by **** *******. I find this very frustrating since I spoke to **** on 05/20/2025 and he failed to notify me that the check was voided. The claims representative then proceeds to forward my call to **** but **** refused to provide me a new check for the amount of $1,126.29 claiming that he is not authorized to do that. I have tried to communicate through phone calls, by leaving voicemails, and sending emails to both **** ******* and ***** ******* which I presume is Joeys supervisor. I have continuously made phone calls to the Kemper ***************** to try and resolve this situation yet it hasnt been successful. Im able to speak to a Claims representative, they write down my notes, they escalate the situation. I wait the 24 hours to see if someone calls and yet nothing happens. This whole situation has not only caused economical distress but also emotional.

  

  Business Response

  Date: 07/15/2025

  Please see the attached response for file ********.

• Initial Complaint

  Date:07/01/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This amount is due us for a car rental which they only paid for the first 2 weeks and have not paid for the second 2 weeks. We have notified them several times the final receipt. They did send us $800.00 for the first 2 weeks, but nothing for the last 2 weeks. All we are asking is they pay us the final 2 weeks that we had to keep the rental while my ****** Tacoma was being repaired.

  

  Business Response

  Date: 07/11/2025

  Hello,

  Please see our attached response and supporting documents.

  Please let us know if further assistance is needed.

  Thanks,

  Regulatory Administration
  ************************************************************************************
  ************
  **********************************************************************  
  

  Customer Answer

  Date: 07/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ********* & ****** ********

• Initial Complaint

  Date:06/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The issue started when the original agent retired. The replacement agent stated she was filling in until an agent was assigned, she failed to return calls, no follow up. I asked about where the payments should be sent. She verified my life policy and informed me that the policy was delinquent. I disagreed solely because I make monthly payment via corporate checks from my financial institution. I shared that with this agent and informed her that I have proof of payments. As of June 13th 2025 a letter of Non Forfeiture Option Due to Lapse was mailed to me. I have called every number for Kemper Life and Reliable Life no one office is on the same page. I was told by Kemper **************** that the ** Box was active to receive payments and the District Reliable office states it is not. I asked to speak with a supervisor or someone in charge, was asked my contact information and told someone will call within 48 hours that was 3 weeks ago before receiving this letter. I have 52 pages of proof of payments to substan this claim.

  

  Business Response

  Date: 07/02/2025

  Please see attached for the response to file 23517528 for ****** ********

• Initial Complaint

  Date:06/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Service Issues: Kemper Life I have a paid up insurance policy. My wife, whom is recently deceased was my primary beneficiary. In the month of October 2024, I reached out to my insurance agent, ***** *****, in order to get a beneficiary change form which I never received. After speaker with someone in the corporate office, I was told that the beneficiary had been changed and the form was mailed to my home address which I never received. Mr. ***** was informed to mail the form to my private mail box. Unfortunately, Mr. ***** didn't put both beneficiaries on the form as I had addressed him to do.

  

  Business Response

  Date: 07/01/2025

  Please see attached for the response to BBB file ******** for ******* *******. Please note there were no contact information for ******* ******* or his wife. Thanks 

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23502013
  
  I am rejecting this response because: 

  i reject the business response because i recently spoke with Ms. ****** and she said she would send me a form to fill out and the original policy that belonged to my wife. I have not rcvd these documents in my mail as of yet. 

  
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 07/21/2025

  Please see attached for follow up response. 

• Initial Complaint

  Date:06/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally file a complaint regarding the mishandling of my auto claim following an accident that occurred on February 21, 2025, at 11:27 AM. While I am grateful to have been uninjured, my vehicle sustained significant damage and was rendered unsafe to drive. I immediately opened a claim with Kemper the same day. Unfortunately, what followed was an ongoing pattern of unresponsiveness, misinformation, and delays that have left me deeply frustrated and disappointed.From the very beginning, I have had to act as the sole driver of communicationconstantly initiating contact through numerous calls, voicemails, and emails to Kemper representatives and the repair facility ********************************* Despite my consistent follow-up, I received little to no communication in return. This level of disregard is unacceptable, especially for a paying customer navigating a stressful and time-sensitive ************ addition to the challenges during the repair process, I am now facing resistance in being reimbursed for my rental car expenses, which I was told would be covered at $65 per day. My final bill totals $5,657.38, yet Kemper has failed to provide clarity, accountability, or the agreed-upon reimbursement. I have documented instances of misleading information provided by agents and inconsistencies in their estimates when ************* a healthcare professional with a demanding schedule, this process has been both mentally and emotionally draining. The lack of communication, transparency, and respect for the claimant experience borders on negligence and possibly bad faith practices.

  

  Business Response

  Date: 07/02/2025

  Please see the attached response for file ********.

  Customer Answer

  Date: 07/03/2025

   
  Complaint: 23487463
  
  I am rejecting this response because:

  Im writing to provide a comprehensive update regarding the ongoing issues Ive encountered with Kemper Auto Claims, all of which stem from my accident on February 21, 2025, and the subsequent rental reimbursement process.
  
  Please note: all calls referenced have been recorded.
  
  INITIAL RENTAL POLICY CONFIRMATION
  On March 7, 2025, I spoke with ******* ***** during the early stages of my claim and specifically asked whether I was entitled to a rental car as a claimant. He confirmed that I was, and clearly stated that Kemper would reimburse up to $65/day before taxes. In multiple subsequent calls, I reconfirmed this with *******, and he consistently affirmed the $65/day pre-tax limit.
  
  FINAL STAGES OF REIMBURSEMENT UNPROFESSIONAL CONDUCT & POLICY MISREPRESENTATION
  Wednesday, **** 18
  During a recorded call with *******, he grossly misrepresented the rental reimbursement amounts owed to me. When I calmly walked him through the math, he became hostile and unprofessional, saying:
  Sir, I have other important and better things to do than get on this call.
  In this same conversation, it became clear that Kemper had failed to include sales tax and fees in the previous reimbursement. Only after I pointed this out was I refunded those taxes29 days after they were dueon **** 19.
  
  Friday, **** 20
  Kemper attempted to deny reimbursement for 29 days of my rental period (out of 80 total), falsely attributing the delays to ******************************* I provided extensive documented proofincluding emails, call logs, and text recordsthat clearly demonstrated that these delays were due to Kempers own lack of response and delayed supplemental approvals, as even noted in your internal system.
  
  Monday, **** 23
  ******* informed me that my submitted documentation was being escalated and reviewed by ******* ********* manager, *****.
  
  Thursday, **** 25
  Kemper issued a partial reimbursement of $1,491.36. ******* ********, Quentins supervisor, called to inform me of the update. I took the opportunity to raise Quentins inappropriate behavior, and she apologized on his behalf.
  At that time, $984.52 remained unpaid, which ******* said she would personally review.
  
  ONGOING MISINFORMATION & DISHONESTY
  Between **** 25 and July 2, I called ******* again for an update. When I asked him to refer to our previously recorded calls confirming the $65/day policy, he flatly denied the existence of any recordings, stating:
  None of the prior calls are being recorded.
  This directly contradicts Kempers own policy and prior confirmations.
  I submitted three rental car receipts totaling 80 days:
  1st receipt: $52.74/day pre-tax
  2nd receipt: $52.08/day pre-tax
  3rd receipt: $80.98/day pre-tax (adjusted down to $65 after I secured a refund from Enterprise for overcharges)
  I remain fully compliant with the $65/day policy confirmed earlier.
  Total amount still owed: $399.10
  
  TEXTS & CALLS FROM JULY 12
  On Monday, July 1, ******* texted me that Kemper would not refund the $399.10. I replied stating that I remain within the $65/day limit. He asked for a breakdown, which I provided in full. He then claimed his manager was reviewing it.
  On Tuesday, July 2, I received a call from ******* ******** at 4:08 PM. She stated Kemper would only reimburse $52.08/day, contradicting Quentins repeated confirmation of the $65/day limit. When I asked why they wouldnt honor the actual receipt values (i.e., $52.74, $52.08, and $65), she accused me of "twisting her words." When I asked her to review the call recordings or bring ******* into a conference call to clarify, she dismissed the request and stated:
  Sir, we are not going back and forth on this.
  She also implied that I had fabricated the $65/day policy, despite it being documented in multiple recorded calls. When I asked her to involve her manager, *****, she refused, saying she would simply coach *******.
  
  CONCLUSION
  This experience with Kemper has been exhausting, mentally draining, and completely unprofessional. Ive been met with:
  NON COMPLIANT AND Inconsistent communication
  
  Policy misrepresentation
  Deliberate misinformation
  Unprofessional and inappropriate behavior
  Repeated refusal to honor recorded confirmations
  Ive gone above and beyond to stay compliant, organized, and communicative throughout this process. Kemper, however, has failed to uphold even the most basic standards of customer service, accountability, or ethical behavior.
  I am now formally requesting a full review and immediate resolution of the remaining $399.10 owed to me.
  
  
  Thank you for your time and consideration.

   

  Sincerely,
  
  ****** **********

  

  Business Response

  Date: 07/11/2025

  Attached, please find the submitted follow-up response letter for this complaint.
  
  

• Initial Complaint

  Date:06/17/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is **** M ******, **** ****** is my Mother, I have Power Of Attorney on her. Im trying to get her help due to her failing health. Im trying to get her service with AR Home thru ****************************. They are requesting the policies that she is paying for and Kemper Life would not give them to her. I have been requesting this information for over 6 months. *** has denied her due to Kemper had told me that they will send the policies and they never did. I had ask several times. I was told that she was the beneficiary not the policy holder. I then said but you all call me every month and I pay you. The fire policy is in my deceased Dads name and they would need to speak with him. Like I had told he passed away 5 years ago and that my Moms name is on the house. Theres also a policy on my Brother whose is mentally unstable why was the policy put in his name instead of of my Moms name. Please help so I can get my Mother some help. She is in need of this help. My phone number is ************** and email address is ****************

  

  Business Response

  Date: 06/25/2025

  Please see attached response for complaint 23481243.  Thank you, *****.