Senior SolutionS

Home Health CareInsurance Plan

B-HHC-SS (10/12)

Insurance Benefits Provided by reserve national insurance Company

A Kemper life & Health Company

Providing Life and Health Insurance for over 55 YearsInsurance Benefits Provided by reserve national insurance Company

A Kemper life & Health Company

Peace of MindStartsHere

Kemper Corporation1 brings a high level of personalized service to their customers. Here are a few things you should know about us:

• Ourfocusisonmeetingtheneedsofourpolicyholders. With our finger on the pulse of the ever-changing healthcare industry we continue to develop new and innovative solutions for our clients’ needs.

• Morethan6 millionpolicyholdershavetheirbasicinsuranceandfinancialneedsmetby our nationwide network of career and independent agents.

• Withover$8billioninassets,weemployover6,500 associates.

• Weareledbyaseasonedmanagementteamthat values ethical behavior and no-nonsense business results.

reserve national insurance Company is a Kemper life and Health company. Here is a briefoverviewofourcompanyandourabilitytoprovide you with a policy and a service you can depend on:

• Stability.Reserve National stands for integrity,fairnessandfinancialstability.Ourcompanyhastheapprovalandconfidenceofpolicyholders throughout the country.

• FinancialRating.Reserve National Insurance Companyhasheldaprestigious“A-Excellent”ratingforouroverallfinancialstability,byA.M.BestCompany,oneoftheleadinginsuranceratingcompaniesinthecountry.

• OurPeople.Ourteamisafamily,fromourhomeofficetoouragentsacrossthenation.We work together to assure you get the products and services you deserve, with unsurpassedattentiontocustomerservice.Ourfocusisonyou,thepolicyholder.

A History of excellence

We believe the right insurance plan for you, is the one that meets your needs and comes from a company you can trust.

1 Neither Kemper nor any of its other subsidiaries is responsible for the insurance products of Reserve National Insurance Company.

Most people would prefer not to enter a nursing home

HOMEHEALTHCAREBENEFITS

Wewillpay,subjecttothepolicyprovisionsandlimitations,abenefiteachdayyoureceivethefollowingservicesinyourhomefromanApprovedHomeHealthCarePractitioner,uptoadailymaximumbenefitof$150:

•Skilled Nursing Care (RN) ........................................$ 75

•General Nursing Care (LPN or LVN) ...................$ 60

•Physical Therapy .........................................................$ 75

•Speech Pathology .......................................................$ 75

•OccupationalTherapy ..............................................$ 75

•ChemotherapySpecialistServices ...................$ 60

•EnterostomalTherapy .............................................$ 50

•Respiration Therapy ..................................................$ 50

•MedicalSocialServices ...........................................$100

Home Health Care Aide BenefitWewillpay,subjecttothepolicyprovisionsandlimitations,adailybenefitof$40 for each dayyourequiretheservicesofaHomeHealthCareAideimmediately following a hospital confinement of not less than three days.

PrescriptionDrugBenefitIfyouincurexpensesinexcessofthedeductibleof$50 per policy year for Prescription Drugs, we will pay 80%oftheseexpenses,limitedtoamaximumbenefitof$250 per policy year.

OurHomeHealthCareinsuranceplanisanaffordablesolutionthatgivesyoutheflexibilitytoutilizethetypeofcarethat’srightforyou. . . inthecomfortofyourownhome.

Home Health Care Benefits

Guaranteed renewable for life

TheHomeHealthCareBenefitandtheHomeHealthCareAideBenefitaresubjecttotheMaximumBenefitPeriodsprovidedinthepolicy.Seethepolicyand/oroutlineofcoverage for details.

This is a brief description of some of the provisions of policies individually underwritten by Reserve National Insurance Company. Only the actual policy provisions will control. Benefits and policy provisions may vary by state. this policy is not a Medicare supplement or long-term care insurance plan.

SEETHEPOLICyAND/OROuTLINEOFCOvERAgEFORLIMITATIONSANDExCLuSIONS.

PolicyFormSeriesHHCwithPD-2Formnumbersandavailabilitymayvarybystate.

optional ExTRABENEFITS

FACTSyOuSHOuLDKnoW:

• Mostpeoplepreferto recover at home instead of a nursing home.

• Benefitsunderthispolicy are payable regardless of any other coverage you may have, including Medicare.

• Hospitalstaysaregetting shorter. More people are recovering at home instead of having extended hospital stays.

• in many cases, home health care is a cost-effective service, not only for individuals recuperating from a hospital stay but also for those who, because of a functional or cognitive disability, are unable to care for themselves.

• Estimatesindicatethat nine to eleven million Americans need home health care services.1

• Homecareisthefastest growing segment of the

health care industry.1

1 SOURCE: Basic Statistics About Home Care,

National Association for Home Care.

CONSIDERTHESEOPTIONALBENEFITS:

•AnnualPhysicalExam ................................................... $150 Afterthisriderhasbeeninforcefor12months, we will pay $150eachtimeyouhaveaPhysical Examination,limitedtoonePhysicalExamination every 12months,providedthatyouhavenot used any other benefit under the rider or the policy during the 12monthsprecedingthe PhysicalExamination.

•vision ...................................................................... $40 perexam + $75forlensesandframes

Afterthisriderhasbeeninforceforsixmonths,we will pay: – $40eachtimeyouhaveaneyeexamination, limitedtooneeyeexaminationevery12months afterthisbenefitispaidforthefirsttime;and – $75eachtimeyoupurchaseeyeglasslensesand frames,limitedtoonesetoflensesandframes every 24monthsafterthisbenefitispaidforthe firsttime.

•Hearing Benefit ................................................ $50 perexam + $250 for hearing aid

Afterthisriderhasbeeninforcefor12months,we will pay: – $50eachtimeyouhaveahearingexamination, limitedtoonehearingexaminationevery12 months;and – $250eachtimeyoupurchaseahearingaid, limitedtoonehearingaidevery24monthsafter thisbenefitispaidforthefirsttime.

•Ambulance .......................................................... $100 per trip WhileyouarereceivingtheHomeHealthCare BenefitortheHomeHealthCareAideBenefit under the policy, we will pay $100 for each ambulancetriptoahospitaland$100 for the returntriphome,limitedto$200 in any 12-month period.

•In-HospitalPrivateDutyNurseBenefit ....$80 /day We will pay $80 for each 24-hour day you are confined in a hospital and require private duty nursingservicesfromanRN,limitedto30 days in any 12-monthperiod.

This is a brief description of some of the provisions of policies individually underwritten by Reserve National Insurance Company. Only the actual policy provisions will control. Benefits and policy provisions may vary by state. this policy is not a Medicare supplement or long-term care insurance plan.

SEETHEPOLICyAND/OROuTLINEOFCOvERAgEFORLIMITATIONSANDExCLuSIONS.

PolicyFormSeriesHHCwithRiderFormSeriesEBR-HHCFormnumbersandavailabilitymayvarybystate.

Home Health Care rates

This is a brief description of some of the provisions of policies individually underwritten by Reserve National Insurance Company. Only the actual policy provisions will control.

SEETHEPOLICyAND/OROuTLINEOFCOvERAgEFORLIMITATIONSANDExCLuSIONS.

PolicyFormSeriesHHCwithPD-2 andRiderFormSeriesEBR-HHCFormnumbersandavailabilitymayvarybystate.

$25RegistrationFeepayableoncewithapplication(Kentucky: no registration fee).

Attained Monthly Annual Age BankDraft

41-45 $ 26.35 $ 316.25

46-50 $ 26.40 $ 316.80

51-55 $ 26.40 $ 316.80

56-60 $ 27.85 $ 334.50

61-64 $ 35.65 $ 427.80

65-70 $ 36.20 $ 434.40

71-75 $ 53.10 $ 637.55

76-80 $ 64.05 $ 768.90

81-85 $ 79.15 $ 949.95

Kemper Home Health CareBenefits

Attained Monthly Annual Age BankDraft

41-45 $ 49.50 $ 594.45

46-50 $ 49.55 $ 595.00

51-55 $ 49.65 $ 596.10

56-60 $ 51.20 $ 614.90

61-64 $ 59.20 $ 710.95

65-70 $ 59.85 $ 718.65

71-75 $ 77.25 $ 927.35

76-80 $ 88.55 $1,063.10

81-85 $104.05 $1,249.10

Home Health Care with ExTRABENEFITS

RatesforuseinCO,IL,Ky,NE,NM,OH,OKandWyonly

• Refertotheinformationfurnishedtoyou by your supervisor which reflects theproperapplicationandotherformsrequired to be used with this policy in a particular state.

• Applicantisnoteligibleforthispolicyifhe/sheanswers“yes”toquestions2, 3 or 4 on the application.

• EachapplicantforthispolicywhoiseligibleforMedicaremustbefurnishedthe“GuidetoHealthInsuranceforPeoplewithMedicare”andsignthe“ImportantNoticetoPersonsonMedicare”atthetimeofapplication.ThissignedImportantNoticemustbesubmittedtotheHomeOfficewiththeapplication.

• TheHomeOfficemaycallapplicantsfor this policy to review the application withtheapplicant.Agentsshouldadviseeachapplicantthattheymayreceiveatelephone call.

• Thispolicywillnotbeissuedtoreplaceany other policy.

• Allapplicationswillbeeitherissuedordeclined without the use of any rate-up oreliminationofaperson’spre-existingcondition.

• Youmayfaxcompletedapplicationsandotherrequiredformsto405.254.2120.

Agent instructions

uNDERWRITINgINSTRuCTIONS

APPLICATIONANDACCOMPANyINgFORMS

• $25 Registration Fee payable once with application (Kentucky: no registration fee).

• Availabletoindividualsage41 through 85.Ageatlastbirthdaydeterminesrate to be used.

• AnindividualisNOTELIGIBLEforthispolicyifhe/sheis: – currentlylivinginanursinghomeor assisted living center or currently receivinghomehealthcareorsimilar typebenefits;or – physicallyunabletoperformroutine activities such as bathing, dressing, eating, toileting or transferring to or fromabedorchair

• Thisplanmaybewrittenincombinationwith any other coverage.

• Afullannualpremiumorauthorizedmonthlybankdraftmustbecollectedwiththeapplication.CODcasesandotherpremiummodesarenotacceptable.

• AllchecksmustbemadepayabletoKemperSeniorSolutions.Agents maynotcashchecksunderanycircumstances.Ifcashiscollected,youshouldpurchaseamoneyorderforthegrosspremiumcollectedtosubmitwiththeapplication.Netpremiumsubmissionsare not acceptable.

• IfthePolicyistoberenewedonbankdraft,youmustcompletethebankdraftauthorizationportionoftheapplicationand furnish a voided check on the account to be drafted. Deposit slips, etc. are not acceptable.

• EFFECTIVE DATE OF POLICY: If the applicantpaysannual,youmayrequestthe effective date to be the date of application.Iftheapplicantpaysmonthly,the effective date will be the date of issue (whichisdeterminedbytheHomeOffice).