Company Information

KSKJ Life has been a trusted Christian fraternal benefit society since 1894. We are dedicated to providing members with financial security and opportunities for spiritual, social, and charitable growth. KSKJ Life members are treated like family and will enjoy the benefits of life insurance, tax-deferred fixed and income annuities and Medicare Supplement plans designed with members in mind.

Becoming a KSKJ Life member requires the purchase of a life insurance, an annuity or Medicare supplement product. There are no membership fees to join. Any baptized Christian or person married to a member is eligible for membership in the states that KSKJ Life is licensed to conduct business.

Medicare Supplement

  • KSKJ Life agent website
  • KSKJ Life member website
  • Supply Order website
  • Administration Mailing Address
    • KSKJ Life
    • Medicare Supplement Administration
    • P. O. Box 10867
    • Clearwater, FL 33757-8867
  • Claims Mailing Address
    • KSKJ Life
    • Claims Department
    • P. O. Box 10866
    • Clearwater, FL 33757-8866
    • 866-671-5755
  • KSKJ Marketing Support – AIMC
    • Sales/Agent Services/Supplies
    • 800-321-0102
    • Fax – 706-232-1060
  • KSKJ Underwriting
    • 866-671-5755
  • KSKJ Commissions
    • 866-671-5755

Life/Final Expense

KSKJ Life is available in the following states: AZ, CA, CO, CT, DC, IA, IL, IN, KS, MI, MS, MN, MT, OH, PA, WI.

2439 Glenwood Avenue
Joliet, IL 60435


Submitting Business

Medicare Supplement

New Business Mailing Address

  • KSKJ Life
  • New Business Dept.
  • P. O. Box 10845
  • Clearwater, FL 33757-8865

Overnight Address

  • KSKJ Life
  • 8545 126th Ave., Suite 200
  • Largo, FL 33773-1502

New Business Data Entry Fax Number

  • 1-877-303-4537

Faxed Applications

  • All faxed applications must be accompanied by a KSKJ Life Fax Application Transmittal Cover Sheet.
  • Do not collect any money on applications that you intend to fax in for processing. The first modal premium and policy fee, if applicable, will be drafted upon issue.

Required Forms

  • Replacement Form is required with any application replacing a Medicare Supplement or Medicare Advantage plan.
  • Documentation establishing guaranteed issue rights.
  • Bank Draft Form – Bank Draft Authorization and voided check must be included
  • Bank Draft Dates are:
    • Effective date between the 1st and the 10th of the month will draft on or about the 10th of the month.
    • Effective date between the 11th and the 20th of the month will draft on or about the 20th of the month.
    • Effective date between the 21st and the 28th of the month will draft on or about the 28th of the month.
  • The draft dates cannot deviate from the schedule above.
  • State Specific Forms – CA, IL and KY
  • You may not submit an application with a premium check from a third party payor uless it is family or business relationship to the applicant.
  • If replacing a Medicare Advantage plan, it must be confirmed with the Medicare Advantage company that the applicant has been disenrolled or will be disenrolled by the requested effective date on the application.

Point of Sale Rules

  • A Point of Sale Transmittal Sheet must be included with all applications taken via Point of Sale regardless if the the application is faxed or mailed in.
  • Point of Sale Phone Interview
  • The insurance application must be completed prior to an agent phoning in to complete a point of sale phone call. The applicant’s prescription drug history is being run at the time of the Point of Sale call. The HIPAA authorization must be signed and verified with the applicant before inputting any information into KSKJ’s system.
  • The agent will be providing all demographic information related to the applicant (name, address, SS#, claim#, plan applying for and replacement information). Agenty must provide the spelling of the applicant’s name as it appears on their Medicare ID card. This is critical for the proper processing of claims.
  • Guaranteed Issue or Open Enrollment applications will not be taken through the Point of Sale program. The Point of Sale program is only for a medically underwritten application to enable an underwriting decision to be given quickly.
  • All applications taken via Point of Sale must be sent in to the company via mail or fax. The completed application must be submitted even if the application is being declined or the applicant decides to withdraw the application. If the paperwork is not submitted you will no longer be allowed to participate in the Point of Sale program.

Premium Calculations

  • Spousal Discount for Medicare Supplement
  • The spousal discount is available to spouses applying for coverage at the same time. The discount applies to both spouses if both are approved for coverage. In cases where a spouse is declined, the discount will be nullified and the remaining spouse will receive the non-discounted rate,
  • In situations where one spouse is applying for coverage and their husband/wife already has existing coverage with KSKJ Life the spousal discount will be applied as follows:
    • The spouse that is currently applying for coverage will be given the discount if coverage is approved.
    • The spouse that had previous coverage will receive the discount on his/her next anniversary date.

Policy Delivery

  • All policies will be mailed directly from KSKJ administrative office to the agent unless otherwise indicated by the agent on the application or a state law requires. If you wish the policy be mailed directly to the policy holder upon issue, please indicate in the “Special Request” section on page 1 of the application.
  • If the policy is issued and delivered by an agent in any of the five states listed below, the policy will not become active for billing and commission payments until the delivery receipt and any other outstanding requirements are returned.
    • Kentucky
    • Louisiana
    • Nebraska – has an additional requirement that the applicant, agent and insured retain a copy of the delivery receipt (2 additional copies of the delivery receipt will be sent with the policy.
    • South Dakota
    • West Virginia.

Life/Final Expense

Submitting New Life and Annuity Applications:

Fax: 815-483-2989

If funding checks are being sent, please mail to:

2439 Glenwood Avenue
Joliet, IL 60435


Medicare Supplement

  • For Commission questions, call 866-671-5755
  • Direct Deposit is not required, but recommended.
  • Commissions are applied to commissionable premium only.
    • Commissionable premium is the original gross premium less both the initial policy fee and the Part B Deductible amount if applicable to the plan purchased.
    • Commissions are not paid on any increases in premium including attained age increases or experience rate increases.
  • Commission Reductions
    • Mid single digit commission under 65.
    • Mid single digit commissions for 81 and over.
  • Commission Advance
    • Six Months
    • Nine Months
    • Twelve Months (must have significant business in force).

Life/Final Expense

For commissions questions or issues, please contact 855-332-8809 x 511.


Medicare Supplement

Life/Final Expense

For supplies, please contact 855-332-8809 x514.