Major Rating Factors:
Weak profitability index (1.9 on a scale of 0 to 10). Fair long-term capitalization index (4.7) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range over the last two years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Good overall results on stability tests (6.1) despite excessive premium growth and weak risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification. Superior liquidity (9.4) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
All states except KS, LA, NH, NJ, VT, WY
Principal Investments:
Investment grade bonds (44.8%), common stock (32.7%), real estate (15.0%), non investment grade bonds (0.7%), other (6.7%)
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
22268
Website
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