Kemper Earnings 2020-09-30

Balance Sheet	Income Statement	Cash Flow
Assets, Equity	Rev, G Profit, Net Income	Ops, Inv, Fin

kmpr-20200930

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

______________________________________________________

FORM 10-Q

______________________________________________________


☒			Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For Quarterly Period Ended 09/30/2020


☐			Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the Transition Period from to

Commission file number 001-18298

______________________________________________________

Kemper Corporation

(Exact name of registrant as specified in its charter)

______________________________________________________


DE		95-4255452
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

200 E. Randolph Street
Suite 3300
Chicago	IL	60601
(Address of principal executive offices)		(Zip Code)

(312) 661-4600

(Registrant’s telephone number, including area code)

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.10 per share	KMPR	NYSE

______________________________________________________

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, smaller reporting company, or an emerging growth company. See definition of “accelerated filer, large accelerated filer, smaller reporting company and emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer

☒

Accelerated filer

☐

Non-accelerated filer

☐

Smaller Reporting Company

☐

Emerging Growth Company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No x

65,408,416 shares of common stock, $0.10 par value, were outstanding as of October 29, 2020.

KEMPER CORPORATION

INDEX


		Page
Caution Regarding Forward-Looking Statements		1

PART I.	FINANCIAL INFORMATION

Item 1.	Financial Statements

	Condensed Consolidated Statements of Income for the N ine and Three Months Ended September 30, 2020 and 2019 (Unaudited)	4

	Condensed Consolidated Statements of Comprehensive Income for the Nine and Three Months Ended September 30, 2020 and 2019 (Unaudited)	5

	Condensed Consolidated Balance Sheets as of September 30, 2020 and December 31, 2019 (Unaudited)	6

	Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2020 and 2019 (Unaudited)	7

	Condensed Consolidated Statements of Shareholders’ Equity for the Nine and Three Months Ended September 30, 2020 and 2019 (Unaudited)	8

	Notes to the Condensed Consolidated Financial Statements (Unaudited)	10

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	40

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	70

Item 4.	Controls and Procedures	70

PART II.	OTHER INFORMATION

Item 1.	Legal Proceedings	71

Item 1A.	Risk Factors	71

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	73

Item 6.	Exhibits	74

Exhibit Index		74

Signatures		75

Caution Regarding Forward-Looking Statements

This Quarterly Report on Form 10-Q, including, but not limited to, Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”), Risk Factors and the accompanying unaudited Condensed Consolidated Financial Statements (including the notes thereto) of Kemper Corporation (“Kemper”) and its subsidiaries (individually and collectively referred to herein as the “Company”) may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Forward-looking statements give expectations or forecasts of future events. The reader can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as “believe(s),” “goal(s),” “target(s),” “estimate(s),” “anticipate(s),” “forecast(s),” “project(s),” “plan(s),” “intend(s),” “expect(s),” “might,” “may,” “could” and other terms of similar meaning. Forward-looking statements, in particular, include statements relating to future actions, prospective services or products, future performance or results of current and anticipated services or products, sales efforts, expenses, the outcome of contingencies such as legal proceedings, trends in operations and financial results.

Any or all forward-looking statements may turn out to be wrong, and, accordingly, Kemper cautions readers not to place undue reliance on such statements. Kemper bases these statements on current expectations and the current economic environment as of the date of this Quarterly Report on Form 10-Q. They involve a number of risks and uncertainties that are difficult to predict. These statements are not guarantees of future performance and actual results could differ materially from those expressed or implied in the forward-looking statements. Forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties that may be important in determining the Company’s actual future results and financial condition.

In addition to those factors discussed under Item 1A., “Risk Factors,” of Part I of Kemper’s Annual Report on Form 10-K, filed with the U.S. Securities and Exchange Commission (the “SEC”), for the year ended December 31, 2019 (the “2019 Annual Report”) as updated by Item 1A. of Part II of this Quarterly Report on Form 10-Q, the reader should consider the following list of general factors that, among others, could cause the Company’s actual results and financial condition to differ materially from estimated results and financial condition.

Factors related to the legal and regulatory environment in which Kemper and its subsidiaries operate

•Evolving policies, practices and interpretations by regulators and courts that increase operating costs and potential liabilities, particularly any that involve retroactive application of new requirements, including, but not limited to, state initiatives related to unclaimed property laws or claims handling practices with respect to life insurance policies and the proactive use of death verification databases, and developments related to the novel coronavirus COVID-19 (“COVID-19”);

•Adverse outcomes in litigation or other legal or regulatory proceedings involving Kemper or its subsidiaries or affiliates;

•Governmental actions, including, but not limited to, implementation of new laws and regulations, and court decisions interpreting existing and future laws and regulations or policy provisions;

•Uncertainties related to regulatory approval of insurance rates, policy forms, insurance products, license applications, dividends from insurance subsidiaries, acquisitions of businesses and other matters within the purview of state insurance regulators;

•Increased costs and initiatives required to address new legal and regulatory requirements and developments related to cybersecurity, privacy and data governance;

Factors relating to insurance claims and related reserves in the Company’s insurance businesses

•The incidence, frequency and severity of catastrophes occurring in any particular reporting period or geographic area, including natural disasters, pandemics (including COVID-19) and terrorist attacks or other man-made events;

•The frequency and severity of insurance claims (including those associated with catastrophe losses and pandemics);

•Changes in facts and circumstances affecting assumptions used in determining loss and loss adjustment expenses (“LAE”) reserves, including, but not limited to, the frequency and severity of insurance claims, changes in claims handling procedures and closure patterns, development patterns and the impacts of COVID-19;

Caution Regarding Forward-Looking Statements (continued)

•The impact of inflation on insurance claims, including, but not limited to, the effects on personal injury claims of increasing medical costs and the effects on property claims attributed to scarcity of resources available to rebuild damaged structures, including labor and materials and the amount of salvage value recovered for damaged property, and the rising costs of insurance claims from increased litigation, higher jury awards, the impact of process change and staffing levels and other effects of societal trends referred to as social inflation;

•Developments related to insurance policy claims and coverage issues, including, but not limited to, interpretations, pronouncements or decisions by courts or regulators that may govern or influence losses incurred in connection with hurricanes and other catastrophes, including COVID-19;

•Orders, interpretations or other actions by regulators that impact the reporting, adjustment and payment of claims;

•Changes in the pricing or availability of reinsurance, or in the financial condition of reinsurers and amounts recoverable therefrom;

Factors related to the Company’s ability to compete

•Changes in the ratings of Kemper and/or its insurance company subsidiaries by rating agencies with regard to credit, financial strength, claims paying ability and other areas on which the Company is rated;

•The level of success and costs incurred in realizing or maintaining economies of scale, integrating acquired businesses and implementing significant business initiatives and the timing of the occurrence or completion of such events, including, but not limited to, those related to expense and claims savings, consolidations, reorganizations and technology;

•Absolute and relative performance of the Company’s products and services, including, but not limited to, the level of success achieved in designing and introducing new insurance products and services;

•Potential difficulties with technology, data and network security (including as a result of cyber attacks), outsourcing relationships or cloud-based technology could negatively impact the Company’s ability to conduct business. This risk is heightened in the current environment where a vast majority of the Company's employees have shifted to a work from home arrangement;

•The ability of the Company to maintain the availability and required performance of critical systems and manage technology initiatives cost-effectively to address insurance industry developments and regulatory requirements;

•Heightened competition, including, with respect to pricing, consolidations of existing competitors or entry of new competitors and alternate distribution channels, introduction of new technologies, use and enhancements of telematics, refinements of existing products and development of new products by current or future competitors;

•Expected benefits and synergies from mergers, acquisitions and/or divestitures that may not be realized to the extent anticipated, within expected time frames or at all, due to a number of factors including, but not limited to, the loss of key agents/brokers, customers or employees, increased costs, fees, expenses and related charges and delays caused by unanticipated developments or factors outside of the Company’s control;

•The successful formulation and execution of the Company’s plan with regard to corporate strategy and significant operational changes;

Factors relating to the business environment in which Kemper and its subsidiaries operate

•Changes in general economic conditions, including those related to, without limitation, performance of financial markets, interest rates, inflation, unemployment rates, significant global events such as the global pandemic related to COVID-19, and fluctuating values of particular investments held by the Company;

•Absolute and relative performance of investments held by the Company;

•Changes in insurance industry trends and significant industry developments;

•Changes in consumer trends, including changes in number of miles driven by automobile insurance policyholders, and significant consumer or product developments;

•Changes in capital requirements, including the calculations thereof, used by regulators and rating agencies;

•Changes related to the expectation that London Interbank Offered Rate (“LIBOR”) reference rates will no longer be available after 2021;

•Regulatory, accounting or tax changes that may affect the cost of, or demand for, the Company’s products or services or after-tax returns from the Company’s investments;

Caution Regarding Forward-Looking Statements (continued)

•The impact of required participation in state windpools and joint underwriting associations, residual market assessments and assessments for insurance industry insolvencies including the impact of COVID-19;

•Changes in distribution channels, methods or costs resulting from changes in laws or regulations, legal proceedings, or market forces;

•Increased costs and risks related to cybersecurity that could materially affect the Company’s operations, including, but not limited to, data breaches, cyber-incidents, virus or malware attacks or other system hazards or infiltrations affecting system integrity, availability and performance, and actions taken to minimize and remediate the risks thereof;

Other risks and uncertainties described from time to time in Kemper’s filings with the SEC

Kemper cannot provide any assurances that the results and outcomes contemplated in any forward-looking statements will be achieved or will be achieved in any particular timetable or that future events or developments will not cause such statements to be inaccurate including impacts related to COVID-19. Kemper assumes no obligation to correct or update any forward-looking statements publicly for any changes in events or developments or in the Company’s expectations or results subsequent to the date of this Quarterly Report on Form 10-Q. Kemper advises the reader, however, to consult any further disclosures Kemper makes on related subjects in its filings with the SEC.

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

KEMPER CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(Dollars in millions, except per share amounts)

(Unaudited)


	Nine Months Ended				Three Months Ended
	Sep 30, 2020		Sep 30, 2019		Sep 30, 2020		Sep 30, 2019
Revenues:
Earned Premiums	$	3,458.2	$	3,326.6	$	1,206.5	$	1,135.2
Net Investment Income	245.5		270.4		92.1		91.7
Other Income	92.7		31.8		0.9		7.2
Income (Loss) from Change in Fair Value of Equity and Convertible Securities	(1.0)		99.7		45.2		9.8
Net Realized Gains on Sales of Investments	38.2		39.1		10.0		1.7



Impairment Losses	(20.0)		(12.1)		(1.0)		(1.8)
Total Revenues	3,813.6		3,755.5		1,353.7		1,243.8
Expenses:
Policyholders’ Benefits and Incurred Losses and Loss Adjustment Expenses	2,460.2		2,373.4		877.5		782.6
Insurance Expenses	821.2		754.3		276.9		256.0

Loss from Early Extinguishment of Debt	—		5.8		—		5.8
Interest and Other Expenses	142.7		117.3		47.2		37.9
Total Expenses	3,424.1		3,250.8		1,201.6		1,082.3
Income before Income Taxes	389.5		504.7		152.1		161.5
Income Tax Expense	(77.1)		(98.3)		(29.8)		(32.5)





Net Income	$	312.4	$	406.4	$	122.3	$	129.0



Net Income Per Unrestricted Share:
Basic	$	4.75	$	6.17	$	1.87	$	1.93
Diluted	$	4.67	$	6.10	$	1.83	$	1.91

The Notes to the Condensed Consolidated Financial Statements are an integral part of these financial statements.

KEMPER CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Dollars in millions)

(Unaudited)


	Nine Months Ended				Three Months Ended
	Sep 30, 2020		Sep 30, 2019		Sep 30, 2020		Sep 30, 2019
Net Income	$	312.4	$	406.4	$	122.3	$	129.0
Other Comprehensive Income (Loss) Before Income Taxes:
Changes in Net Unrealized Holding Gains (Losses) on Investment Securities with:
No Credit Losses Recognized in Condensed Consolidated Statements of Income	269.3		440.4		63.1		118.3
Credit Losses Recognized in Condensed Consolidated Statements of Income	(2.4)		—		1.3		—

Decrease (Increase) in Net Unrecognized Postretirement Benefit Costs	2.3		0.2		0.9		(0.4)
Gain on Cash Flow Hedges	0.3		0.3		0.2		0.2
Other Comprehensive Income (Loss) Before Income Taxes	269.5		440.9		65.5		118.1
Other Comprehensive Income Tax Benefit (Expense)	(56.6)		(92.6)		(13.8)		(24.9)
Other Comprehensive Income (Loss), Net of Taxes	212.9		348.3		51.7		93.2
Total Comprehensive Income (Loss)	$	525.3	$	754.7	$	174.0	$	222.2

The Notes to the Condensed Consolidated Financial Statements are an integral part of these financial statements.

KEMPER CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

(Dollars in millions, except per share amounts)

(Unaudited)


	Sep 30, 2020		Dec 31, 2019
Assets:
Investments:
Fixed Maturities at Fair Value (Amortized Cost: 2020 - $6,694.8; 2019 - $6,372.7, Allowance for Credit Losses: 2020 - $4.8)	$	7,504.8	$	6,922.1
Equity Securities at Fair Value (Cost: 2020 - $680.5; 2019 - $818.8)	788.2		907.3
Equity Securities at Modified Cost	48.4		41.9
Equity Method Limited Liability Investments at Cost Plus Cumulative Undistributed Earnings	206.2		220.4
Convertible Securities at Fair Value	36.3		37.3
Short-term Investments at Cost which Approximates Fair Value	628.8		470.9
Other Investments	762.8		661.5
Total Investments	9,975.5		9,261.4
Cash	352.2		136.8
Receivables from Policyholders (Allowance for Credit Losses: 2020 - $20.4; 2019 - $22.3)	1,249.3		1,117.1
Other Receivables	214.0		219.7
Deferred Policy Acquisition Costs	578.2		537.7
Goodwill	1,114.0		1,114.0
Current Income Tax Assets	33.1		44.7

Other Assets	574.1		557.7
Total Assets	$	14,090.4	$	12,989.1
Liabilities and Shareholders’ Equity:
Insurance Reserves:
Life and Health	$	3,511.5	$	3,502.0
Property and Casualty	1,950.0		1,969.8
Total Insurance Reserves	5,461.5		5,471.8
Unearned Premiums	1,681.6		1,545.5

Policyholder Contract Liabilities	503.7		309.8
Deferred Income Tax Liabilities	245.5		178.2

Accrued Expenses and Other Liabilities	677.6		733.1
Long-term Debt, Current and Non-current, at Amortized Cost (Fair Value: 2020 - $1,233.3; 2019 - $820.2)	1,173.0		778.4
Total Liabilities	9,742.9		9,016.8
Shareholders’ Equity:
Common Stock, $0.10 Par Value, 100 Million Shares Authorized; 65,406,442 Shares Issued and Outstanding at September 30, 2020 and 66,665,888 Shares Issued and Outstanding at December 31, 2019	6.5		6.7
Paid-in Capital	1,798.5		1,819.2
Retained Earnings	1,993.5		1,810.3
Accumulated Other Comprehensive Income	549.0		336.1
Total Shareholders’ Equity	4,347.5		3,972.3
Total Liabilities and Shareholders’ Equity	$	14,090.4	$	12,989.1

The Notes to the Condensed Consolidated Financial Statements are an integral part of these financial statements.

KEMPER CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(Dollars in millions)

(Unaudited)


	Nine Months Ended
	Sep 30, 2020		Sep 30, 2019
Cash Flows from Operating Activities:
Net Income	$	312.4	$	406.4
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Net Realized Investment (Gains) Losses	(38.2)		(39.1)
Impairment Losses	20.0		12.1
Depreciation and Amortization of Property, Equipment and Software	26.6		21.7
Amortization of Intangibles Assets Acquired	14.1		24.3
Contribution to Defined Benefit Pension Plan	—		(55.3)
Loss from Early Extinguishment of Debt	—		5.8
Change in Accumulated Undistributed Earnings of Equity Method Limited Liability Investments	5.6		9.7
Decrease (Increase) in Value of Equity and Convertible Securities at Fair Value	1.0		(99.7)
Changes in:
Receivables from Policyholders	(132.2)		(132.8)
Reinsurance Recoverables	13.8		39.8
Deferred Policy Acquisition Costs	(40.5)		(66.5)
Insurance Reserves	(10.3)		71.5
Unearned Premiums	136.1		150.7
Income Taxes	22.0		46.1
Other Assets and Liabilities	(79.1)		(28.2)
Net Cash Provided by Operating Activities	251.3		366.5
Cash Flows from Investing Activities:
Proceeds from Sales, Calls and Maturities of Fixed Maturities	707.0		1,067.9
Proceeds from the Sales or Paydowns of Investments:

Equity Securities	436.5		99.7
Real Estate Investments	5.4		—
Mortgage Loans	18.6		—
Other Investments	26.5		25.7
Purchases of Investments:
Fixed Maturities	(1,009.7)		(1,013.7)
Equity Securities	(324.4)		(248.2)
Real Estate Investments	(0.5)		(1.2)
Corporate-owned Life Insurance	(100.0)		(50.0)
Mortgage Loans	(22.7)		—
Other Investments	(17.9)		(94.1)
Net Sales (Purchases) of Short-term Investments	(147.9)		(111.5)
Acquisition of Software and Long-lived Assets	(46.2)		(53.8)
Other	6.0		(2.0)
Net Cash Provided (Used In) by Investing Activities	(469.3)		(381.2)
Cash Flows from Financing Activities:
Net Proceeds from Issuance of Long-term Debt	395.6		49.9
Repayment of Long-term Debt	—		(185.0)
Proceeds from Policyholder Contract Liabilities	391.8		385.6
Repayment of Policyholder Contract Liabilities	(192.4)		(258.0)
Proceeds from Issuance of Common Stock, Net of Transaction Costs	—		127.5
Proceeds from Shares Issued under Employee Stock Purchase Plan	3.1		1.0
Common Stock Repurchases	(110.4)		—
Dividends and Dividend Equivalents Paid	(59.3)		(49.1)
Other	5.0		1.3
Net Cash Provided by Financing Activities	433.4		73.2
Increase in Cash	215.4		58.5
Cash, Beginning of Year	136.8		75.1
Cash, End of Period	$	352.2	$	133.6

The Notes to the Condensed Consolidated Financial Statements are an integral part of these financial statements.

KEMPER CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY

(Dollars in millions)

(Unaudited)


	Nine Months Ended September 30, 2020
(Dollars and Shares in Millions, Except Per Share Amounts)	Number of Shares	Common Stock		Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income		Total Shareholders’ Equity
Balance, December 31, 2019	66.7	$	6.7	$	1,819.2	$	1,810.3	$	336.1	$	3,972.3


Net Income	—	—		—		312.4		—		312.4
Other Comprehensive Income, Net of Taxes (Note 8)	—	—		—		—		212.9		212.9
Cash Dividends and Dividend Equivalents to Shareholders ($0.90 per share)	—	—		—		(59.6)		—		(59.6)
Repurchases of Common Stock (Note 9)	(1.6)	(0.2)		(44.2)		(66.0)		—		(110.4)

Shares Issued Under Employee Stock Purchase Plan	—	—		3.1		—		—		3.1
Equity-based Compensation Cost	—	—		19.7		—		—		19.7
Equity-based Awards, Net of Shares Exchanged	0.3	—		0.7		(3.6)		—		(2.9)

Balance, September 30, 2020	65.4	$	6.5	$	1,798.5	$	1,993.5	$	549.0	$	4,347.5


	Nine Months Ended September 30, 2019
(Dollars and Shares in Millions, Except Per Share Amounts)	Number of Shares	Common Stock		Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income		Total Shareholders’ Equity
Balance, December 31, 2018	64.7	$	6.5	$	1,666.3	$	1,355.5	$	21.8	$	3,050.1


Net Income	—	—		—		406.4		—		406.4
Other Comprehensive Income, Net of Taxes (Note 8)	—	—		—		—		348.3		348.3
Cash Dividends and Dividend Equivalents to Shareholders ($0.75 per share)	—	—		—		(49.5)		—		(49.5)

Issuance of Common Stock, Net of Transaction Costs (Note 9)	1.6	0.2		127.0		—		—		127.2
Shares Issued Under Employee Stock Purchase Plan	—	—		1.0		—		—		1.0
Equity-based Compensation Cost	—	—		20.0		—		—		20.0
Equity-based Awards, Net of Shares Exchanged	0.3	—		(1.4)		(7.9)		—		(9.3)

Balance, September 30, 2019	66.6	$	6.7	$	1,812.9	$	1,704.5	$	370.1

Price	78.06	EPS	6
Shares	67	P/E	13
MCap	5,246	P/FCF	14
Net Debt	683	EBIT	563
TEV	5,930	TEV/EBIT	11
TTM 2019-09-30, in MM, except price, ratios

10-Q	2020-09-30	Filed 2020-11-02
10-Q	2020-06-30	Filed 2020-08-03
10-Q	2020-03-31	Filed 2020-05-07
10-K	2019-12-31	Filed 2020-02-14
10-Q	2019-09-30	Filed 2019-11-04
10-Q	2019-06-30	Filed 2019-08-05
10-Q	2019-03-31	Filed 2019-04-29
10-K	2018-12-31	Filed 2019-02-20
10-Q	2018-09-30	Filed 2018-11-05
10-Q	2018-06-30	Filed 2018-07-30
10-Q	2018-03-31	Filed 2018-04-30
10-K	2017-12-31	Filed 2018-02-13
10-Q	2017-09-30	Filed 2017-10-30
10-Q	2017-06-30	Filed 2017-08-01
10-Q	2017-03-31	Filed 2017-05-04
10-K	2016-12-31	Filed 2017-02-13
10-Q	2016-09-30	Filed 2016-11-03
10-Q	2016-06-30	Filed 2016-08-04
10-Q	2016-03-31	Filed 2016-05-05
10-K	2015-12-31	Filed 2016-02-12
10-Q	2015-09-30	Filed 2015-11-05
10-Q	2015-06-30	Filed 2015-08-06
10-Q	2015-03-31	Filed 2015-05-07
10-K	2014-12-31	Filed 2015-02-12
10-Q	2014-09-30	Filed 2014-11-06
10-Q	2014-06-30	Filed 2014-08-07
10-Q	2014-03-31	Filed 2014-05-08
10-K	2013-12-31	Filed 2014-02-14
10-Q	2013-09-30	Filed 2013-10-31
10-Q	2013-06-30	Filed 2013-08-01
10-Q	2013-03-31	Filed 2013-05-02
10-K	2012-12-31	Filed 2013-02-15
10-Q	2012-09-30	Filed 2012-11-08
10-Q	2012-06-30	Filed 2012-08-06
10-Q	2012-03-31	Filed 2012-05-07
10-K	2011-12-31	Filed 2012-02-17
10-Q	2011-09-30	Filed 2011-11-02
10-Q	2011-06-30	Filed 2011-08-03
10-Q	2011-03-31	Filed 2011-05-04
10-K	2010-12-31	Filed 2011-02-03
10-Q	2010-09-30	Filed 2010-11-01
10-Q	2010-06-30	Filed 2010-08-02
10-Q	2010-03-31	Filed 2010-05-03
10-K	2009-12-31	Filed 2010-02-01

8-K	2020-11-02	Earnings, Exhibits
8-K	2020-09-29	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2020-09-22	Enter Agreement, Other Events, Exhibits
8-K	2020-08-14	Enter Agreement, Off-BS Arrangement, Exhibits
8-K	2020-08-03	Earnings, Exhibits
8-K	2020-06-03
8-K	2020-05-07
8-K	2020-05-05
8-K	2020-02-24
8-K	2020-02-10
8-K	2020-02-05
8-K	2020-01-13
8-K	2019-11-04
8-K	2019-09-19
8-K	2019-08-07
8-K	2019-08-05
8-K	2019-06-04
8-K	2019-04-30
8-K	2019-04-29
8-K	2019-02-11
8-K	2019-02-06
8-K	2019-01-25
8-K	2019-01-14
8-K	2018-11-30
8-K	2018-11-05
8-K	2018-10-22
8-K	2018-09-26
8-K	2018-07-30
8-K	2018-06-28
8-K	2018-06-27
8-K	2018-06-13
8-K	2018-06-08
8-K	2018-06-01
8-K	2018-05-22
8-K	2018-05-01
8-K	2018-04-30
8-K	2018-03-13
8-K	2018-02-13
8-K	2018-02-13
8-K	2018-02-13
8-K	2018-02-13
8-K	2018-02-06

EX-31.1	kmpr202009302020ex311.htm
EX-31.2	kmpr202009302020ex312.htm
EX-32.1	kmpr202009302020ex321.htm
EX-32.2	kmpr202009302020ex322.htm

KMPR 10Q Quarterly Report

Kemper Earnings 2020-09-30