KSKJ Life, Illinois: Overview, Contacts, Services, Financials, Claims, Coverage, Reviews

KSKJ Life is a life insurance company that has been serving families and communities since 1894.

An image illustration of KSKJ Life
KSKJ Life has been in operation since 1984

The company was founded by Slovenian immigrants who wanted to provide financial security and mutual aid to their fellow countrymen in America.

Today, KSKJ Life is a member-owned, community-focused organization that offers life insurance, annuities, and other benefits to its members.

KSKJ Life Company Details

KSKJ Life is headquartered in Joliet, IL, and is licensed in 18 states and Washington D.C.

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.

According to the company’s website, KSKJ Life has over $500 million in assets and over 30,000 members.

KSKJ Life Contacts

The following table summarizes some of the basic information about KSKJ Life:

Category Information
Phone Number 1-800-843-5755 (toll-free) or 815-741-2001 (local)
Address 2439 Glenwood Avenue, Joliet, IL 60435
Customer Service Contact Contact Us
Policy Details Products
Email Address info@kskjlife.com
Fax Number 815-741-2010
Operating Hours Monday – Friday 7:00 a.m. – 4:00 p.m. CST

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.

Special Packages

KSKJ Life also offers special packages or bundled services, such as:

KSKJ Life does not offer international coverage, but it does offer temporary or short-term policies for travelers who need coverage while abroad.

These policies are available through KSKJ Life’s partner company, Seven Corners.

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.

KSKJ Life offers free quotes online or through its agents.

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:

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.

Customer Experiences

KSKJ Life has received positive reviews and ratings from its customers and industry experts.

The company has an A+ rating from the Better Business Bureau and a 5-star rating from Google.

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?

A: To become a member of KSKJ Life, you need to purchase one of its life insurance or annuity products. You can apply online or through an agent.

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?

A: You can contact KSKJ Life through its home office, phone, email, fax, or website.

You can also find an agent near you through its online directory.


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