Kemper Corporation

Kemper Corporation is a specialized insurance holding company. Under the Kemper Auto and Kemper Life brands, it provides affordable, personalized insurance to individuals, families and businesses.

It operates two reporting segments:
- **Specialty Property & Casualty Insurance:** personal and commercial automobile insurance for specialized coverage needs. It serves specialty auto markets, including Hispanic and Latino customers and urban communities, through independent agents and brokers. California is the largest personal auto market. Florida and Texas are expansion markets where new products have launched.
- **Life Insurance:** life insurance plus supplemental accident and health and property coverage. It serves low- and moderate-income individuals and families through a dedicated career agency model, with subsidiaries including United Insurance Company of America. Face value of in-force coverage is about $19.8 billion.

Trinity Universal Insurance Company is a principal P&C insurer. Kemper also consolidates Kemper Reciprocal, a reciprocal exchange reported as a noncontrolling interest. The company is exiting its Preferred Insurance business, now reported as non-core, and sold Newins in 2026.

Kemper has approximately $12 billion in assets and an investment portfolio of about $8.3 billion, mostly highly rated fixed maturities. It serves about 4.3 million policies through roughly 24,000 agents and brokers and employs about 6,700 associates. Its capital structure includes senior notes and 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062. Updated Nov 9, 2026