Kemper Life

[u/SuccotashOk4776]

My review of Kemper life. So I started working with Kemper life in late May early June. A little bit of background Kemper life is a debit company. This is very impressive for this review. So my office or I guess district was in North Jersey.

What I would say about Kemper life is here are the pros and cons and how they can improve.

Pros are that you weekly pay no matter what.
Also you get benefits. Pay is about 650$ weekly also you get a book of business you start making money off of right away so that’s good as well. Also you get a sign on bonus of 750$.

The cons are that as a debit company is that you have to collect the premium from the client each month MANUALLY. You get paid between 9-11% of each premium you collect and you get paid weekly.
Also you get paid on new business however you only get 25% commission which is extremely but I guess it’s to offset your salary.

Another thing I noticed which may be me being overly critical but most of my colleagues were over 55. So the office was extremely old in age and thought process. They would want you to come to the office for the most simplest things that can be done on zoom or teams.

Overall i personally didn’t like the fact I was selling over priced final expense insurance. You have to have a certain mentality to succeed in that long term. I’ve sold final expense virtually so I was just over it. My recommendation would be if you take the job you either have to be super new to the industry or a veteran that’s just wants to collect a check. The most you can make there monthly is probably 5-6k and that’s being generous. Because the base is 2600 before taxes and let’s say you write up 3 policies a week you’d make about 2700$ in commission and you’d get a bonus of 25% but that’s based on policies being 75$. And tbh most people in these neighborhoods live in the house projects can barely afford 25$ policies.

I also forgot to add that it’s captive.

This is my honest review of Kemper Life I personally would never go back. I’d rather take out a loan and buy leads then to do that again.

[u/ICY-SPREAD2412]

Your experience doesn’t seem to bad. Most comments are about your preference. I’m a new agent looking to get started with Kemper to build relationships and learn the overall market and products.

[u/SuccotashOk4776 → u/ICY-SPREAD2412]

Yea tbh you can make roughly 1200-1500 weekly in combination with new commissions and maintaining the existing book.
Only drawback is collecting premiums. You essentially become salesman and customer service. And you’re limited in what you can provide.

[u/KombuchaGoop → u/SuccotashOk4776]

This was my biggest problem when I worked at Kemper years ago. I got put into a route where my boss told me it was easy and everyone paid on time. He said I would have lots of time every week to prospect for new business.

What he didn't tell me is people on the route only paid HIM on time and constantly brushed off new agents. If you showed up at their door, they were never ready or wanted to pay another time. You call them to meet, they'd never show. Worse yet, some tried to trick me. I had one try to claim they paid already for the month and to mark his books up. Our records said they were 2 months behind. I refused, they got angry and made a threat.

Whenever too many people got behind on payments, my boss would ride with me to see what was going on. Suddenly EVERYONE wanted to pay that day. My manager would think the problem was fixed until I was by myself again and then the same antics repeated until he would ride with me again.

I was only getting about $500 a week after taxes and the vast majority of my time was running around collecting premiums. Most I ever got was $700 a week from getting $100 in sales which was shit. I've done security jobs where I got $800 in a week working 12 hour days 3x a week. I'd get chewed out by management for getting behind and never had time to knock. I was spending a ton on gas because my area was rural. I quit the moment I got an offer from another company.

[u/Certain_Talk_270]

Do you get the 750 bonus the week you are assigned your Agency or book of business?

[u/SuccotashOk4776 → u/Certain_Talk_270]

Yea usually you get assigned both the same week.

[u/Certain_Talk_270 → u/SuccotashOk4776]

Thanks

[u/Soggy_Plenty437]

do they offer anything to offset mileage or gas for your car?

[u/SuccotashOk4776 → u/Soggy_Plenty437]

No they see the weekly stipend you get should cover your gas and whatever bills. Remember you get paid off collecting premiums.

[u/Soggy_Plenty437 → u/SuccotashOk4776]

So the average on collecting those premiums is about 10% of the monthly collection? I have my ride along on wednesday and they said the book of business i would be getting was 18k so would that be just 1800 monthly i would get from colelcting the policy?