Document/ExhibitDescriptionPagesSize
1: 10-K Annual Report HTML 5.95M
23: EX-4.8 Instrument Defining the Rights of Security Holders HTML 159K
2: EX-10.1 Material Contract HTML 77K
3: EX-10.2 Material Contract HTML 126K
4: EX-10.3 Material Contract HTML 128K
5: EX-10.32 Material Contract HTML 125K
6: EX-10.33 Material Contract HTML 128K
7: EX-10.34 Material Contract HTML 118K
8: EX-10.35 Material Contract HTML 121K
9: EX-10.36 Material Contract HTML 141K
10: EX-10.37 Material Contract HTML 141K
11: EX-10.38 Material Contract HTML 117K
12: EX-10.4 Material Contract HTML 119K
13: EX-10.5 Material Contract HTML 123K
14: EX-10.6 Material Contract HTML 142K
15: EX-10.7 Material Contract HTML 140K
17: EX-21 Subsidiaries List HTML 65K
18: EX-23 Consent of Expert or Counsel HTML 55K
24: EX-97.1 Clawback Policy re: Recovery of Erroneously HTML 66K
Awarded Compensation
16: EX-18.1 Letter re: a Change in Accounting Principles or HTML 56K
Practices
19: EX-31.1 Certification -- §302 - SOA'02 HTML 59K
20: EX-31.2 Certification -- §302 - SOA'02 HTML 59K
21: EX-32.1 Certification -- §906 - SOA'02 HTML 58K
22: EX-32.2 Certification -- §906 - SOA'02 HTML 58K
30: R1 Cover Page HTML 128K
31: R2 Audit Information HTML 61K
32: R3 Consolidated Statements of Income HTML 152K
33: R4 Consolidated Statements of Comprehensive Income HTML 109K
(Loss)
34: R5 Consolidated Balance Sheets HTML 191K
35: R6 Consolidated Balance Sheets (Parenthetical) HTML 92K
36: R7 Consolidated Statements of Cash Flows HTML 221K
37: R8 Condensed Consolidated Statements of Shareholders? HTML 146K
Equity
38: R9 Condensed Consolidated Statements of Shareholders? HTML 58K
Equity (Parenthetical)
39: R10 Schedule 2 - Parent Company Financial Statements - HTML 85K
Balance Sheets (Parenthetical)
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(Parenthetical)
41: R12 Consolidated Statements of Cash Flows HTML 62K
(Parenthetical)
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43: R14 Summary of Accounting Policies and Accounting HTML 243K
Changes
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Share
45: R16 Dispositions HTML 75K
46: R17 Business Segments HTML 181K
47: R18 Financial Services, Insurance HTML 473K
48: R19 Deferred Costs, Capitalized, Prepaid, and Other HTML 101K
Assets
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50: R21 Insurance Expenses HTML 75K
51: R22 Investments HTML 301K
52: R23 Income from Investments HTML 301K
53: R24 Derivatives HTML 97K
54: R25 Fair Value Measurements HTML 363K
55: R26 Goodwill and Intangible Assets HTML 125K
56: R27 Variable Interest Entities HTML 84K
57: R28 Other Comprehensive Income (Loss) And Accumulated HTML 110K
Other Comprehensive Income
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59: R30 Statutory Information and Dividend Limitations HTML 77K
60: R31 Pension Benefits HTML 175K
61: R32 Postretirement Benefits Other Than Pensions HTML 248K
62: R33 Long-term Equity-based Compensation HTML 158K
63: R34 Policyholder Contract Liabilities HTML 74K
64: R35 Debt HTML 80K
65: R36 Leases HTML 117K
66: R37 Catastrophe Reinsurance HTML 129K
67: R38 Other Reinsurance HTML 129K
68: R39 Income Taxes HTML 161K
69: R40 Contingencies HTML 59K
70: R41 Related Parties HTML 61K
71: R42 Schedule 1 - Investments Other Than Investments in HTML 92K
Related Parties
72: R43 Schedule 2 - Parent Company Financial Statements HTML 284K
73: R44 Schedule 3 - Supplementary Insurance Information HTML 144K
74: R45 Schedule 4 - Reinsurance Schedule HTML 111K
75: R46 Summary of Accounting Policies and Accounting HTML 240K
Changes (Policies)
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Changes (Tables)
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Share (Tables)
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80: R51 Financial Services, Insurance (Tables) HTML 157K
81: R52 Deferred Costs, Capitalized, Prepaid, and Other HTML 100K
Assets (Tables)
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85: R56 Income from Investments (Tables) HTML 133K
86: R57 Derivatives (Tables) HTML 96K
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88: R59 Goodwill and Intangible Assets (Tables) HTML 169K
89: R60 Variable Interest Entities (Tables) HTML 80K
90: R61 Other Comprehensive Income (Loss) And Accumulated HTML 105K
Other Comprehensive Income (Tables)
91: R62 Statutory Information and Dividend Limitations HTML 74K
(Tables)
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93: R64 Postretirement Benefits Other Than Pensions HTML 132K
(Tables)
94: R65 Long-term Equity-based Compensation (Tables) HTML 161K
95: R66 Policyholder Contract Liabilities (Tables) HTML 73K
96: R67 Debt (Tables) HTML 70K
97: R68 Leases (Tables) HTML 108K
98: R69 Catastrophe Reinsurance (Tables) HTML 120K
99: R70 Income Taxes (Tables) HTML 163K
100: R71 Schedule 2 - Parent Company Financial Statements HTML 310K
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101: R72 Summary of Accounting Policies and Accounting HTML 103K
Changes (Details)
102: R73 Summary of Accounting Policies and Accounting HTML 258K
Changes - Narrative (Details)
103: R74 Income from Continuing Operations Per Unrestricted HTML 82K
Share - Reconciliation of Numerator and
Denominator in Earnings Per Share (Details)
104: R75 Income from Continuing Operations Per Unrestricted HTML 61K
Share - Antidilutive Securities Excluded from
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106: R77 Dispositions - Assets and Liabilities Included in HTML 101K
Disposition (Details)
107: R78 Business Segments - Narrative (Details) HTML 60K
108: R79 Business Segments - Segment Assets (Details) HTML 77K
109: R80 Business Segments - Earned Premiums by Product HTML 84K
Line (Details)
110: R81 Business Segments - Segment Revenues (Details) HTML 106K
111: R82 Business Segments - Segment Operating Profit HTML 103K
(Details)
112: R83 Business Segments - Segment Net Income (Details) HTML 95K
113: R84 Liability for Future Policyholder Benefits - HTML 130K
Changes in Premiums, Discounts and Benefits
(Details)
114: R85 Liability for Future Policyholder Benefits - HTML 100K
Reconciliation of the Net Liability for Future
Benefits to Life and Health Insurance Reserves
(Details)
115: R86 Liability for Future Policy Holder Benefits - HTML 69K
Changes in Deferred Profit Liability (Details)
116: R87 Deferred Costs, Capitalized, Prepaid, and Other HTML 117K
Assets (Details)
117: R88 Property and Casualty Insurance Reserves - HTML 238K
Short-duration Insurance Contracts, Claims
Development (Details)
118: R89 Property and Casualty Insurance Reserves - HTML 86K
Short-duration Insurance Contracts, Reconciliation
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119: R90 Property and Casualty Insurance Reserves - HTML 88K
Historical Claims Duration (Details)
120: R91 Property and Casualty Insurance Reserves - Reserve HTML 94K
Activity (Details)
121: R92 Property and Casualty Insurance Reserves - HTML 86K
Narrative (Details)
122: R93 Insurance Expenses (Details) HTML 81K
123: R94 Investments - Amortized Cost and Estimated Fair HTML 100K
Value of investments (Details)
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125: R96 Investments - Schedule of Contractual Maturity HTML 89K
(Details)
126: R97 Investments - Aging of Unrealized Losses on HTML 107K
Investments in Fixed Maturities (Details)
127: R98 Investments - OTTI losses Recognized in HTML 68K
Accumulated Other Comprehensive Income (Details)
128: R99 Investments - Change in Allowance for Credit HTML 81K
Losses on Fixed Maturities Available-for-Sale
(Details)
129: R100 Investments - Other Investments Carrying Values HTML 69K
(Details)
130: R101 Income from Investments - Net Investment Income HTML 103K
(Details)
131: R102 Income from Investments - Narrative (Details) HTML 58K
132: R103 Income from Investments - Net Realized Gains on HTML 88K
Sales of Investments (Details)
133: R104 Income from Investments - Net Impairment Losses HTML 70K
Recognized in Earnings (Details)
134: R105 Derivatives (Details) HTML 70K
135: R106 Derivatives - Gross Notional Amount and Estimated HTML 85K
Fair Value of Derivatives (Details)
136: R107 Derivatives - Amounts Recognized in Net Realized HTML 58K
Investment Gains (Losses) (Details)
137: R108 Fair Value Measurements - Valuation of Assets HTML 254K
Measured at Fair Value (Details)
138: R109 Fair Value Measurements - Narrative (Details) HTML 71K
139: R110 Fair Value Measurements - Quantitative Information HTML 93K
about Significant Unobservable Inputs (Details)
140: R111 Fair Value Measurements - Level 3 Inputs HTML 313K
Reconciliation (Details)
141: R112 Fair Value Measurements - Fair Value using NAV and HTML 115K
Unfunded Commitment by Asset Class (Details)
142: R113 Fair Value Measurements - Balance Sheet Grouping HTML 93K
(Details)
143: R114 Goodwill and Intangible Assets - Schedule of HTML 67K
Goodwill by Segment (Details)
144: R115 Goodwill and Intangible Assets - Schedule of HTML 89K
Definite and Indefinite Life Intangible Assets
(Details)
145: R116 Goodwill and Intangible Assets - Narrative HTML 75K
(Details)
146: R117 Goodwill and Intangible Assets - Schedule of HTML 93K
Future Amortization Expense (Details)
147: R118 Variable Interest Entities - Activity of HTML 76K
Alternative Energy Partnership Investments
(Details)
148: R119 Variable Interest Entities - Assets and HTML 74K
Liabilities and Associated Maximum Loss Exposure
of Alternative Energy Partnership Investments
(Details)
149: R120 Variable Interest Entities - Narrative (Details) HTML 64K
150: R121 Other Comprehensive Income (Loss) And Accumulated HTML 108K
Other Comprehensive Income - Other Comprehensive
Income (Details)
151: R122 Other Comprehensive Income (Loss) And Accumulated HTML 87K
Other Comprehensive Income - Accumulated Other
Comprehensive Income (Details)
152: R123 Other Comprehensive Income (Loss) And Accumulated HTML 134K
Other Comprehensive Income - Reclassification from
AOCI to Consolidated Statements of Income
(Details)
153: R124 Shareholders' Equity - Narrative (Details) HTML 108K
154: R125 Statutory Information and Dividend Limitations - HTML 68K
Combined Net Income and Capital and Surplus
(Details)
155: R126 Statutory Information and Dividend Limitations - HTML 74K
Narrative (Details)
156: R127 Pension Benefits - Narrative (Details) HTML 90K
157: R128 Pension Benefits - Changes in Fair Value of Plan HTML 93K
Assets and Changes in Accumulated Benefit
Obligations (Details)
158: R129 Pension Benefits - Actuarial Assumptions for HTML 62K
Project Benefit Obligations (Details)
159: R130 Pension Benefits - Weighted Average Asset HTML 68K
Allocation for Pension Plans (Details)
160: R131 Pension Benefits - Fair Value Plan Assets HTML 127K
Measurements (Details)
161: R132 Pension Benefits - Changes in Fair Value of HTML 65K
Pension Plans Level 3 (Details)
162: R133 Pension Benefits - Components of Comprehensive HTML 95K
Pension Expense (Details)
163: R134 Pension Benefits - Actuarial Assumptions Pension HTML 69K
Expense (Details)
164: R135 Pension Benefits - Pension Benefit Payments HTML 65K
(Details)
165: R136 Postretirement Benefits Other Than Pensions - HTML 77K
Narrative (Details)
166: R137 Postretirement Benefits Other Than Pensions - HTML 93K
Changes in Fair Value of Plan Assets and Changes
in Accumulated Benefit Obligations (Details)
167: R138 Postretirement Benefits Other Than Pensions - HTML 62K
Actuarial Assumptions of OPEB Accumulated Benefit
Obligation (Details)
168: R139 Postretirement Benefits Other Than Pensions - HTML 87K
Components Of Comprehensive OPEB (Income) Expense
(Details)
169: R140 Postretirement Benefits Other Than Pensions - HTML 69K
Actuarial Assumptions of OPEB Expense (Details)
170: R141 Postretirement Benefits Other Than Pensions - HTML 98K
Benefit Payments Net of Expected Medicare Part D
Subsidy (Details)
171: R142 Long-term Equity-based Compensation - Narrative HTML 131K
(Details)
172: R143 Long-term Equity-based Compensation - HTML 86K
Black-Scholes Pricing Model For Options (Details)
173: R144 Long-term Equity-based Compensation - Option and HTML 108K
SAR Activity (Details)
174: R145 Long-term Equity-based Compensation - Schedule of HTML 120K
Outstanding Options (Details)
175: R146 Long-term Equity-based Compensation - Activity HTML 87K
Related to Nonvested Restricted Stock (Details)
176: R147 Long-term Equity-based Compensation - Schedule of HTML 67K
Share-based Compensation, Nonemployee Director
Deferred Stock Unit Award Plan (Details)
177: R148 Policyholder Contract Liabilities - Policyholder HTML 69K
Contract Liabilities (Details)
178: R149 Policyholder Contract Liabilities - Narrative HTML 71K
(Details)
179: R150 Policyholder Contract Liabilities - Supplemental HTML 71K
Financial Information (Details)
180: R151 Debt - Narrative (Details) HTML 165K
181: R152 Debt - Debt Outstanding (Details) HTML 76K
182: R153 Leases - Narrative (Details) HTML 67K
183: R154 Leases - Right of Use Assets and Liabilities HTML 64K
(Details)
184: R155 Leases - Lease Cost (Details) HTML 68K
185: R156 Leases - Supplemental Cash Flow Information HTML 58K
(Details)
186: R157 Leases - Lease Weighted Average (Details) HTML 58K
187: R158 Leases - Future Minimum Lease Payments (Details) HTML 75K
188: R159 Catastrophe Reinsurance - Narrative (Details) HTML 77K
189: R160 Catastrophe Reinsurance - Coverage for Catastrophe HTML 107K
Reinsurance (Details)
190: R161 Catastrophe Reinsurance - Catastrophe Reinsurance HTML 68K
Premiums (Details)
191: R162 Catastrophe Reinsurance - Catastrophe Losses and HTML 66K
LAE (Details)
192: R163 Other Reinsurance (Details) HTML 96K
193: R164 Income Taxes - Narrative (Details) HTML 73K
194: R165 Income Taxes - Schedule of Temporary Differences HTML 95K
That Give Rise to Net Deferred Income Tax Assets
(Liabilities) (Details)
195: R166 Income Taxes - Summary of Federal Net Operating HTML 81K
Loss Carryforwards and Related Deferred Income Tax
Assets (Details)
196: R167 Income Taxes - Income Tax Benefit (Expense) from HTML 67K
Continuing Operations (Details)
197: R168 Income Taxes - Statutory Federal Income Tax HTML 121K
Expense, Effective Income Tax Expense, Rates
(Details)
198: R169 Income Taxes - Comprehensive Income Tax Benefit HTML 76K
and Expense (Details)
199: R170 Schedule 1 - Investments Other Than Investments in HTML 111K
Related Parties (Details)
200: R171 Schedule 2 - Parent Company Financial Statements - HTML 218K
Balance Sheets (Details)
201: R172 Schedule 2 - Parent Company Financial Statements - HTML 148K
Statements of Income (Details)
202: R173 Schedule 2 - Parent Company Financial Statements - HTML 180K
Statements of Comprehensive Income (Details)
203: R174 Schedule 2 - Parent Company Financial Statements - HTML 185K
Statements of Cash Flows (Details)
204: R175 Schedule 2 - Parent Company Financial Statements - HTML 90K
Narrative (Details)
205: R176 Schedule 2 - Parent Company Financial Statements - HTML 64K
Right of Use Assets and Liabilities (Details)
206: R177 Schedule 2 - Parent Company Financial Statements - HTML 65K
Supplemental Cash Flow Information (Details)
207: R178 Schedule 2 - Parent Company Financial Statements - HTML 64K
Lease Weighted Average (Details)
208: R179 Schedule 2 - Parent Company Financial Statements - HTML 81K
Future Minimum Lease Payments (Details)
209: R180 Schedule 3 - Supplementary Insurance Information HTML 104K
(Details)
210: R181 Schedule 4 - Reinsurance Schedule (Details) HTML 98K
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1. I have reviewed this annual report on Form 10-K of Kemper Corporation;
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered
by this report;
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
(c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the
registrant’s internal control over financial reporting; and
5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability
to record, process, summarize and report financial information; and
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
