Major Rating Factors:
Fair overall results on stability tests (4.4 on a scale of 0 to 10) including fair financial strength of affiliated Kemper Corporation. Fair overall capitalization (4.0) based on mixed results -- excessive policy leverage mitigated by excellent risk adjusted capital (severe loss scenario). Nevertheless, capital levels have fluctuated during prior years. Good overall profitability (5.7). Excellent expense controls.
Other Rating Factors:
High quality investment portfolio (7.6). Excellent Liquidity (10.0).
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
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Licensed in:
AL, FL, GA, IN, LA, MS, TN
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
Investments in Affiliates
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
12115 LACKLAND ROAD
ST. LOUIS, MO 63146
ST. LOUIS, MO 63146
Phone Number
(314) 819-4300
NAIC Number
66397
Website
Largest Affiliates