Frequently Asked Questions
When can my policy become effective?
With a quarterly, semi-annual or annual initial premium, you may request your policy to be effective anytime from the application date, to 60 days after the application date, pending underwriting approval.
Can I save money by paying my premiums annually?
Yes! If you are in a position to pay your premiums
annually, we do offer a discount.
Can my policy be canceled by the company?
No! All of our policies have a renewal safeguard feature.
The only way you can be canceled is if you fail to pay the
premium within the grace period, or all of the same type of
policies within the state are canceled.
How long will it take to receive my policy?
This depends on the type of coverage you have
applied for, and the length of time it takes to
obtain medical records, if needed. Typically, your
new policy along with your identification cards
should arrive in 6 to 8 weeks.
Who else in this area is covered?
Due to HIPAA privacy laws now in place, we are
unable to disclose this information. As one of our
policyholders, your privacy would be protected by
these same laws..
Who is Reserve National Insurance? I have never heard of your company.
Reserve National Insurance Company has been
in business since 1956. We have an A-Excellent
rating for financial security from AM Best — a
leading insurance company rating firm, and we
have thousands of satisfied policyholders all
over the country. Our parent company, Kemper
Corporation*, is one of America's leading financial services providers. The Kemper family of companies
specializes in property and casuality, life, health and accident insurance products, and is a publicly traded company (KMPR)
with over 6 million policyholders nationwide.
What happens when I reach Medicare age?
You will have the option to switch your coverage
to one of our very competitive Medicare
Supplements without proving insurability.
Depending on the type of coverage and your
circumstances, you may decide to keep your
other Reserve National coverage along with the
At what age do my children come off of the policy?
With our policies you may generally keep your
dependent children on your policy as long as you
wish, or your dependent may convert to
his/her own policy upon reaching age 19,
whatever works best for you and your dependent.
Do you offer child-only coverage?
Yes! Our policies are able to be written on children
of any age, regardless of parental/guardian
Can I change my benefits?
You may change your benefits to fit your
needs, but some changes may be subject to
Do I need a physical exam to qualify for insurance coverage?
We do not currently require a physical exam.
* Neither Kemper nor any of its other subsidiaries is responsible for the products of Reserve National.
This is a brief summary. Specific policy provisions and state requirements will control.