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Savers Marketing is looking for independent agents to market the guaranteed issue life and home health care product issued by Reserve National Insurance Company rated A- Excellent by AM Best and owned by Kemper Life & Health. See below for important details about both products (NOTE: Benefits may vary by state):

Guaranteed Issue Life Insurance

  • Issue ages 40 – 80.
  • Death benefit first 2 years is return of premium with 20% interest.
  • Face amounts from $5,000 to $25,000.
  • 3,6 or 9 month advances.
  • Commissions paid daily with no interest charge.
  • No commission chargeback from death after 12 months.
  • Stand alone policy…not connected to any other policy or required sales ratios.
  • Sales through the mail are allowed without a witnessed signature.

Home Health Care

  • Pays up to $150 maximum benefit per day equivalent to $54,750 per year.
  • Only 2 health questions to qualify.
  • Prescription drug benefit paying 80% of drug costs up to $250 per year after a $50 deductible. The drug benefit alone covers a majority of the premium cost for the entire plan! This benefit has no affect on any Medicare PDP or Medicare Advantage prescription plan they already have.
  • Issue ages 41 – 85.
  • Additional benefits for annual exams, vision, hearing exams and hearing aids and ambulance.
  • Unbelievable rates.
  • Medicare advantage and medicare supplement agents can use our client pre approach letter to generate sales from existing clients.
  • Final expense agents need this product as a companion sale while running our final expense leads.

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Individual Health Insurance Life Insurance Annuities
Major Med.
Major Medical
Short Term
Med. Adv.
Medicare Advantage
Med. Part D
Medicare Part D
Med. Supp.
Medicare Supplemental
Final Exp.
Final Expense
Term Life
Single Prem. Whole Life
Single Premium Whole Life
Kemper YesYes
Other, Final Expense


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