KSKJ Life is a life insurance company that has been serving families and communities since 1894.
The company was founded by Slovenian immigrants who wanted to provide financial security and mutual aid to their fellow countrymen in America.
KSKJ Life Company Details
The company’s vision is to help its members and families, focusing on purpose rather than profits.
The company’s CEO is Tony Mravle, who leads a team of experienced and dedicated professionals.
KSKJ Life Contacts
The following table summarizes some of the basic information about KSKJ Life:
KSKJ Life Services & Products
KSKJ Life offers a variety of life insurance and annuity products to meet the needs of its members. Some of the types of insurance offered are:
- Term Life Insurance: This provides coverage for a specified period of time, usually 10, 15, 20, or 30 years. Term life insurance is typically the most affordable option and can be converted to permanent insurance later.
- Whole Life Insurance: This provides coverage for the entire lifetime of the insured, as long as premiums are paid. Whole life insurance also builds cash value that can be accessed through loans or withdrawals.
- Universal Life Insurance: This provides flexible coverage that can be adjusted according to the changing needs of the insured. Universal life insurance also accumulates cash value that can be used for various purposes.
- Final Expense Insurance: This provides coverage for funeral and burial expenses, as well as other end-of-life costs. Final expense insurance can help ease the financial burden on the family of the deceased.
- Annuities: These are contracts that provide a guaranteed income stream for a certain period of time or for life. Annuities can help supplement retirement income, protect savings, and provide tax benefits.
KSKJ Life also offers special packages or bundled services, such as:
- Family Protection Plan: This is a combination of term life insurance and final expense insurance that provides comprehensive coverage for the whole family at an affordable rate.
- Legacy Plan: This is a combination of whole life insurance and annuity that provides lifetime protection and income for the insured and their beneficiaries.
- Youth Advantage Plan: This is a combination of whole life insurance and educational grant that provides coverage and financial assistance for children and young adults.
KSKJ Life does not offer international coverage, but it does offer temporary or short-term policies for travelers who need coverage while abroad.
KSKJ Life Financial Details
The premium costs of KSKJ Life’s products vary depending on the type, amount, and duration of coverage, as well as the age, health, and lifestyle of the insured.
The payment options available are monthly, quarterly, semi-annually, or annually. KSKJ Life also offers discounts and promotional offers for its members, such as:
- Loyalty Discount: This is a 5% discount on premiums for members who have been with KSKJ Life for at least five years.
- Multi-Policy Discount: This is a 10% discount on premiums for members who have more than one policy with KSKJ Life.
- Referral Bonus: This is a $25 gift card for members who refer a new member to KSKJ Life.
KSKJ Life Coverage Details
The policy exclusions of KSKJ Life’s products depend on the specific terms and conditions of each policy. However, some common exclusions are:
- Suicide within two years of policy issuance
- Death due to war or military service
- Death due to illegal or criminal activities
- Death due to intoxication or drug abuse
The coverage limits of KSKJ Life’s products also vary depending on the type, amount, and duration of coverage, as well as the age, health, and lifestyle of the insured. However, some general limits are:
- Term Life Insurance: The minimum amount of coverage is $25,000 and the maximum amount is $500,000.
- Whole Life Insurance: The minimum amount of coverage is $5,000 and the maximum amount is $250,000.
- Universal Life Insurance: The minimum amount of coverage is $25,000 and the maximum amount is $500,000.
- Final Expense Insurance: The minimum amount of coverage is $2,500 and the maximum amount is $35,000.
- Annuities: The minimum initial deposit is $5,000 and the maximum annual contribution is $100,000.
KSKJ Life also offers add-ons or riders that can enhance the coverage of its products, such as:
- Accidental Death Benefit: This pays an additional amount of money if the insured dies due to an accident.
- Waiver of Premium: This waives the premium payments if the insured becomes disabled and unable to work.
- Child Rider: This provides coverage for the children of the insured until they reach a certain age.
- Guaranteed Insurability: This allows the insured to increase their coverage without having to undergo medical exams or provide evidence of insurability.
KSKJ Life Claims
The company strives to process claims quickly and efficiently. To file a claim, the beneficiary or representative of the deceased must contact KSKJ Life’s home office or agent and provide the following information:
- Policy number
- Name and date of birth of the insured
- Name and relationship of the beneficiary
- Date and cause of death of the insured
- Copy of the death certificate
- Copy of the policy
KSKJ Life will then review the claim and determine its validity and eligibility. If approved, KSKJ Life will pay the claim within 10 business days. If denied, KSKJ Life will provide a written explanation of the reason for denial.
KSKJ Life has received positive reviews and ratings from its customers and industry experts.
Some of the customer testimonials are:
- “I have been a member of KSKJ Life for over 20 years and I am very happy with their service and products. They are always friendly, helpful, and professional. They have helped me plan for my retirement and protect my family. I would highly recommend them to anyone looking for a reliable and trustworthy life insurance company.” – John S.
- “KSKJ Life is more than just a life insurance company. It is a community of people who care about each other and support each other. They have many programs and activities that bring members together and make them feel like family. They also give back to society through charitable donations and volunteer work. I am proud to be a part of KSKJ Life.” – Mary T.
- “KSKJ Life has been a blessing for me and my children. When my husband passed away unexpectedly, they were there for me with compassion and assistance. They paid the claim promptly and helped me with the funeral arrangements. They also provided educational grants for my children to pursue their dreams. I am very grateful for KSKJ Life.” – Susan R.
Here are some frequently asked questions about KSKJ Life:
Q: How do I become a member of KSKJ Life?
Q: What are the benefits of being a member of KSKJ Life?
A: As a member of KSKJ Life, you have access to programs, activities, and exclusive saving benefits that are designed to make your life easier. Some of these benefits are:
- Educational Grants: These are grants that are awarded to members or their children who are pursuing higher education.
- Fraternal Activities: These are events that are organized by local lodges or chapters that foster friendship, fellowship, and fun among members.
- Charitable Giving: These are donations that are made by KSKJ Life or its members to various causes that align with its values and mission.
- Member Savings Program: These are discounts or special offers that are available to members from various partners such as hotels, car rentals, travel insurance, etc.
Q: How do I contact KSKJ Life?
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