Kemper's Life & Health division has started implementing enhancements to its life insurance claims procedures.

The company is voluntarily undertaking a comprehensive process under which it will cross-reference its life insurance policies against the Social Security Death Master File and other databases to identify potential situations where beneficiaries may not have filed a claim following the death of a loved one, and then begin an outreach process to find beneficiaries and pay claims.

Kemper president and CEO Joseph P. Lacher, Jr. said: “We recognize that new tools exist today that enhance our ability to meet our promises to our customers. We are implementing a thoughtful and detailed process to evaluate our policies on a regular basis and to help our customers’ loved ones through the claims process.

“We’ve been seeking consensus within the regulatory community on how best to approach the process. We are not willing to wait longer, so we are forging ahead.”