Major Rating Factors:
Weak profitability index (2.2 on a scale of 0 to 10) with operating losses during 2023, 2024 and the first three months of 2025. Fair long-term capitalization index (4.3) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Fair reserve development (4.1) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Good overall results on stability tests (5.8) despite lack of operational experience and fair risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
E - Lack of operating experience.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AZ, IL
Principal Investments:
Investment grade bonds (93.1%), cash (3.3%), other (3.6%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
200 East Randolph Street
Chicago, IL 60601
Chicago, IL 60601
Phone Number
(312) 661-4600
NAIC Number
17513
Website
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