Kemper Corporation
kemper.comWhat Do They Do?
Sells personal and commercial automobile insurance to consumers and businesses, plus individual life and supplemental accident and health insurance to individuals and families.
10-K for FY2025, filed Feb 11, 2026
How Do They Make Money?
Kemper earns premiums by providing automobile and other property-and-casualty coverage. Life customers pay premiums for individual life and supplemental coverage; career agents typically collect premiums monthly.
10-K for FY2025, filed Feb 11, 2026Total Revenues increased by $151.1 million to $4,789.7 million in 2025, compared to $4,638.6 million in 2024. The increase was primarily…View ↗
The Company’s property & casualty insurance business operations are conducted primarily through the Specialty Property & Casualty Insurance…View ↗
The Specialty Property & Casualty Insurance segment provides personal automobile insurance to consumers who have had difficulty obtaining…View ↗
The Life Insurance segment, primarily based in St. Louis, Missouri, focuses on providing individual life and supplemental accident and…View ↗
The Life Insurance segment employs nearly 2,200 career agents, operating in 26 states and the District of Columbia. These career agents are…View ↗
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10-K for FY2025, filed Feb 11, 2026
FY2025 revenue by reportable segment ↗
$4.8B
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10-K for FY2025, filed Feb 11, 2026
$4.8B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Specialty Property & Casualty Insurance
|
87%
FY2022: 76%
|
Specialty Property & Casualty Insurance, FY2025
$4.1B Sources
|
|
|
Life Insurance
Recurring
10-K for FY2025, filed Feb 11, 2026 |
12%
FY2022: 14%
|
Life Insurance, FY2025
$583.2M Sources
|
Recurring |
Who Are Their Customers?
Consumers and businesses buy auto coverage mainly through independent agents and brokers, with a smaller portion sold directly or through captive agents. Individuals and families buy life and supplemental accident and health coverage through career agents who visit customers at home.
10-K for FY2025, filed Feb 11, 2026The Company’s property & casualty insurance business operations are conducted primarily through the Specialty Property & Casualty Insurance…View ↗
The Specialty Property & Casualty Insurance segment provides personal automobile insurance to consumers who have had difficulty obtaining…View ↗
The Company’s life & health insurance business operations are conducted primarily through the Life Insurance segment. The Life Insurance…View ↗
The Life Insurance segment, primarily based in St. Louis, Missouri, focuses on providing individual life and supplemental accident and…View ↗
The Life Insurance segment employs nearly 2,200 career agents, operating in 26 states and the District of Columbia. These career agents are…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 3 cents of every revenue dollar as net income in FY2025 and turned 12 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 5, 2026
−$464.8MView ↗
- ▼ Now a loss
- vs $72.6M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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May 27, 2026
Stephen J. McAnena became president and CEO
Interim CEO C. Thomas Evans, Jr. returned to his prior executive roles.
Sources
8-K, filed May 27, 2026
On May 21, 2026, the Board of Directors (the “Board”) of Kemper Corporation (the “Company”) appointed Stephen J. McAnena as the Company’s…View ↗
Shrinking. Revenue fell 16% in 4 years, from $5.7B in FY2021 to $4.8B in FY2025, about 4% a year.
Preferred insurance runoff
Kemper previously sold preferred auto, homeowners and other personal insurance through a separate segment; the latest report treats Preferred Insurance as non-core and cites the business’s exit and runoff.
10-K for FY2022, filed Feb 9, 2023 10-K for FY2025, filed Feb 11, 2026Earned Premiums increased by $180.4 million to $4,396.3 million in 2025, compared to $4,215.9 million in 2024, primarily driven by a $349.3…View ↗
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