Here are the 10-K annual reports from Kemper Corporation (KMPR) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow KMPR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full KMPR filings page.
Kemper Corporation details its 2025 annual report, highlighting a specialized U.S. insurance franchise focused on nonstandard auto and life coverage for underserved markets. The company reports approximately $12.5 billion in assets and operates through Specialty Property & Casualty and Life Insurance segments.
Property and casualty net written premiums were $4.0 billion in 2025, with Specialty Auto and Commercial Auto driving most volume and three states—California, Florida and Texas—providing 90% of Specialty P&C premiums. Total property and casualty loss and LAE reserves were $2.94 billion as of December 31, 2025.
The Life Insurance segment, serving lower face-amount, in‑home serviced policies, held $3.29 billion of life insurance reserves at December 31, 2025 and maintained a 5% lapse ratio. Kemper employs about 7,400 people and emphasizes catastrophe reinsurance, regulatory compliance, cybersecurity, and reserve uncertainty as key risk factors.