B
UNION NATIONAL LIFE INS CO
Rating Date
July 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good overall results on stability tests (5.0 on a scale of 0 to 10) despite fair financial strength of affiliated Kemper Corporation and negative cash flow from operations for 2022. Other stability subfactors include good operational trends and excellent risk diversification. Good overall profitability (6.5). Excellent expense controls. Return on equity has been low, averaging 3.9%. Strong capitalization (8.0) based on excellent risk adjusted capital (severe loss scenario).
Other Rating Factors: High quality investment portfolio (8.8). Excellent Liquidity (7.0).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company.
Principal Lines of Business: --
Licensed in: AL, AR, FL, GA, LA, MS, OK, TN, TX
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
3636 S SHERWOOD FOREST BLVD
BATON ROUGE, LA 70816
Phone Number
(314) 819-4300
NAIC Number
69779
Largest Affiliates
B
Chicago, IL - P&C
C
CHICAGO, IL - L&A
C
Chicago, IL - P&C
B