KMPR 10-K Annual Report Dec. 31, 2024 | Alphaminr

Effective Date August 11, 2021

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KEMPER CORP

10-Qs and 10-Ks

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10-K	Fiscal year ended Dec. 31, 2011
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10-K	Fiscal year ended Dec. 31, 2010
10-Q	Quarter ended Sept. 30, 2010
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10-Q	Quarter ended March 31, 2010
10-K	Fiscal year ended Dec. 31, 2009

PROXIES

DEF 14A	Filed on March 26, 2025
DEF 14A	Filed on March 20, 2024
DEF 14A	Filed on March 22, 2023
DEF 14A	Filed on March 23, 2022
DEF 14A	Filed on March 24, 2021
DEF 14A	Filed on March 25, 2020
DEF 14A	Filed on March 20, 2019
DEF 14A	Filed on March 24, 2017
DEF 14A	Filed on March 24, 2016
DEF 14A	Filed on March 27, 2015
DEF 14A	Filed on March 28, 2014
DEF 14A	Filed on March 22, 2013
DEF 14A	Filed on March 23, 2012
DEF 14A	Filed on March 28, 2011
DEF 14A	Filed on March 29, 2010

TABLE OF CONTENTS

Part Iprint Item 1. Businessprint Item 1A. Risk Factorsprint Item 1B. Unresolved Staff Commentsprint Item 1C. Cybersecurityprint Item 2. Propertiesprint Item 3. Legal Proceedingsprint Item 4. Mine Safety Disclosuresprint Part IIprint Item 5. Market For Registrant S Common Equity, Related Stockholder Matters and Issuer Purchases Of Equity Securitiesprint Item 6. Selected Financial Dataprint Note 24, Debt, To The Consolidated Financial Statements For More Information Regarding The Company S Long-term Debtprint Item 7A. Quantitative and Qualitative Disclosures About Market Riskprint Item 7A. Quantitative and Qualitative Disclosures About Market Risk. (continued)print Item 8. Financial Statements and Supplementary Dataprint Note 1. Basis Of Presentation and Significant Estimatesprint Note 2. Summary Of Accounting Policies and Accounting Changesprint Note 2. Summary Of Accounting Policies and Accounting Changes (continued)print Note 3. Net Income (loss) Per Unrestricted Shareprint Note 4. Dispositionsprint Note 4. Dispositions (continued)print Note 5. Business Segmentsprint Note 5. Business Segments (continued)print Note 6. Property and Casualty Insurance Reservesprint Note 6. Property and Casualty Insurance Reserves (continued)print Note 7. Liability For Future Policyholder Benefitsprint Note 7. Liability For Future Policyholder Benefits (continued)print Note 8. Deferred Policy Acquisition Costsprint Note 9 - Receivables From Policyholders - Allowance For Expected Credit Lossesprint Note 9 - Receivables From Policyholders - Allowance For Expected Credit Losses (continued)print Note 10. Insurance and Other Expensesprint Note 11. Investmentsprint Note 11. Investments (continued)print Note 12. Income From Investmentsprint Note 12. Income From Investments (continued)print Note 13. Derivativesprint Note 13. Derivatives (continued)print Note 14. Fair Value Measurementsprint Note 14. Fair Value Measurements (continued)print Note 15. Goodwill and Intangible Assetsprint Note 15. Goodwill and Intangible Assets (continued)print Note 16. Variable Interest Entitiesprint Note 16. Variable Interest Entities (continued)print Note 17. Other Comprehensive (loss) Income and Accumulated Other Comprehensive Lossprint Note 17. Other Comprehensive (loss) Income and Accumulated Other Comprehensive Loss (continued)print Note 18. Shareholders Equityprint Note 19. Statutory Financial Information and Dividend Limitationsprint Note 19. Statutory Financial Information and Dividend Limitations (continued)print Note 20. Pension Benefitsprint Note 20. Pension Benefits (continued)print Note 21. Postretirement Benefits Other Than Pensionsprint Note 21. Postretirement Benefits Other Than Pensions (continued)print Note 22. Long-term Equity-based Compensationprint Note 22. Long-term Equity-based Compensation (continued)print Note 23. Policyholder Obligationsprint Note 23. Policyholder Obligations (continued)print Note 24. Debtprint Note 24. Debt (continued)print Note 25. Leasesprint Note 25. Leases (continued)print Note 26. Catastrophe Reinsuranceprint Note 26. Catastrophe Reinsurance (continued)print Note 27. Other Reinsuranceprint Note 27. Other Reinsurance (continued)print Note 28. Income Taxesprint Note 28. Income Taxes (continued)print Note 29. Commitments and Contingenciesprint Note 30. Related Partiesprint Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosureprint Item 9A. Controls and Proceduresprint Item 9B. Other Informationprint Part IIIprint Item 10. Directors, Executive Officers and Corporate Governanceprint Item 11. Executive Compensationprint Item 12. Security Ownership Of Certain Beneficial Owners and Management and Related Stockholder Mattersprint Item 13. Certain Relationships and Related Transactions, and Director Independenceprint Item 14. Principal Accounting Fees and Servicesprint Part IVprint Item 15. Exhibits, Financial Statement Schedulesprint Item 16. Form 10-k Summaryprint Note 1. Summary Of Significant Accounting Policiesprint Note 2. Guaranteesprint Note 3. Supplemental Disclosure Of Cash Flow Informationprint Note 4. Leasesprint Note 4. Leases (continued)print Note 5. Debtprint Note 5. Debt (continued)print

Exhibits

3.1 Restated Certificate of Incorporation 8-K 001-18298 3.2 August 8, 2014 3.2 Amended and Restated Bylaws of Kemper Corporation 8-K 001-18298 3.1 December 6, 2022 4.1 Indenture, dated as of February 27, 2014, by and between Kemper Corporation and The Bank of New York Mellon Trust Company, N.A., as Trustee 8-K 001-18298 4.1 February 27, 2014 4.2 Second Supplemental Indenture, dated as of February 24, 2015, to the Indenture, dated as of February 27, 2014, between Kemper Corporation and The Bank of New York Mellon Trust Company, N.A., as Trustee (including the form of 4.350% Senior Notes due 2025) 8-K 001-18298 4.2 February 24, 2015 4.3 Indenture, dated as of September 29, 2020, by and between the Company and U.S. Bank National Association 8-K 001-18298 4.1 September 29, 2020 4.4 First Supplemental Indenture, dated as of September 29, 2020, by and between the Company and U.S. Bank National Association (Including the form of 2.400% Senior Notes due 2030) 8-K 001-18298 4.2 September 29, 2020 4.5 Second Supplemental Indenture, dated as of February 23, 2022, by and between the Company and U.S. Bank Trust Company, National Association (Including the form of 3.800% Senior Notes due 2032) 8-K 001-18298 4.2 February 23, 2022 4.6 Third Supplemental Indenture, dated as of March 10, 2022, by and between the Company and U.S. Bank Trust Company, National Association (Including the form of 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062) 8-K 001-18298 4.2 March 10, 2022 4.7 Form of Certificate Representing Shares of Kemper Corporation Common Stock 10-K 001-18298 4.7 February 20, 2019 4.8 Description of Securities Registered Under Section 12 of the Exchange Act 10.1 Third Amended and Restated Credit Agreement, dated as of March 15, 2022, by and among the Company, as the borrower, the lenders and issuing banks from time to time party thereto, and JPMorgan Chase Bank, N.A., as administrative agent 8-K 001-18298 10.1 March 17, 2022 10.2 Advances and Security Agreement and Addendum to Advances and Security Agreement, effective as of December 31, 2013, between Trinity Universal Insurance Company and the Federal Home Loan Bank of Dallas 10-K 001-18298 10.2 February 14, 2014 10.3 Advances, Collateral Pledge, and Security Agreement, dated as of March 18, 2014, between United Insurance Company of America and the Federal Home Loan Bank of Chicago 8-K 001-18298 10.1 March 21, 2014 10.4 Advances and Security Agreement, effective August 14, 2020, between Alliance United Insurance Company and the Federal Home Loan Bank of San Francisco 8-K/A 001-18298 10.1 August 20, 2020 10.5 Advances, Collateral Pledge, and Security Agreement, dated as of May 10, 2022, between American Access Casualty Company and the Federal Home Loan Bank of Chicago 8-K 001-18298 10.1 May 11, 2022 10.6* Kemper Pension Equalization Plan, as amended and restated effective August 25, 2011, as amended by Amendment No. 2 effective September 16, 2013 10-K 001-18298 10.3 February 14, 2014 10.7* Kemper Supplemental Retirement Plan, as amended and restated effective September 22, 2016 10-K 001-18298 10.5 February 13, 2017 10.8* Kemper 2011 Omnibus Equity Plan, as amended and restated effective February 8, 2017 10-K 001-18298 10.17 February 13, 2017 10.9* Form of Stock Option and SAR Agreement for Non-employee Directors, as of May 1, 2013, under the Kemper 2011 Omnibus Equity Plan 10-Q 001-18298 10.1 May 2, 2013 10.10* Form of Deferred Stock Unit Agreement for Non-employee Directors, as of May 1, 2013, under the Kemper 2011 Omnibus Equity Plan 10-Q 001-18298 10.2 May 2, 2013 10.11* Form of Stock Option and SAR Agreement - Installment-Vesting Form, as of February 4, 2014, under the Kemper 2011 Omnibus Equity Plan 10-K 001-18298 10.24 February 14, 2014 10.12* Form of Stock Option and SAR Agreement - Installment-Vesting Form, as of February 7, 2017, under the Kemper 2011 Omnibus Equity Plan 10-K 001-18298 10.31 February 13, 2017 10.13* Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting), as of February 6, 2018, under the Kemper 2011 Omnibus Equity Plan 10-K 001-18298 10.39 February 13, 2018 10.14* Form of individual Indemnification Agreements between Kemper and its directors and executive officers 8-K 001-18298 10.1 February 11, 2020 10.16* Form of Non-Employee Director Restricted Stock Unit Award Agreement as of May 5, 2020 under the 2020 Omnibus Equity Plan 8-K 001-18298 10.1 May 11, 2020 10.17* Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan 8-K 001-18298 10.2 May 11, 2020 10.18* Form of Non-Qualified Stock Option and SAR Award Agreement (Installment-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan 8-K 001-18298 10.3 May 11, 2020 10.19* Form of Performance Share Unit Award Agreement (Adjusted ROE) as of May 5, 2020 under the 2020 Omnibus Equity Plan 8-K 001-18298 10.6 May 11, 2020 10.20* Form of Performance Share Unit Award Agreement (Relative TSR) as of May 5, 2020 under the 2020 Omnibus Equity Plan 8-K 001-18298 10.7 May 11, 2020 10.21* Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.22* Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.23* Form of Restricted Stock Unit Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.24* Form of Restricted Stock Unit Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.25* Form of Performance Share Unit Award Agreement (Adjusted ROE) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.26* Form of Performance Share Unit Award Agreement (Relative TSR) as of February 1, 2022 under the 2020 Equity Omnibus Plan 10.27* Form of Special Equity Award Agreement as of February 1, 2022 under the 2020 Omnibus Equity Plan 10.29* Form of Non-Employee Director Restricted Stock Unit Award Agreement as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.1 August 7, 2023 10.30* Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.2 August 7, 2023 10.31* Form of Non-Qualified Stock Option and SAR Award Agreement (Installment-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.3 August 7, 2023 10.32* Form of Restricted Stock Unit Award Agreement (Cliff-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.4 August 7, 2023 10.33* Form of Restricted Stock Unit Award Agreement (Installment-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.5 August 7, 2023 10.34* Form of Performance Share Unit Award Agreement (Adjusted ROE) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.6 August 7, 2023 10.35* Form of Performance Share Unit Award Agreement (Relative TSR) as of May 2, 2023 under the 2023 Omnibus Plan 10-Q 001-18298 10.7 August 7, 2023 10.36* Form of Restricted Stock Unit Award Agreement (ELT Retention) as of February 6, 2024 under the 2023 Omnibus Plan 10-Q 001-18298 10.2 May 1, 2024 10.37* Form of individual change in control severance agreements between Kemper and its executive officersEach of the agreements is identical except that the multipliers for benefits related to severance payment, life insurance and health insurance are 3 years, 3 years and 36 months, respectively, for the Chief Executive Officer and 2 years, 2 years and 24 months, respectively, for the other officers. 10-Q 001-18298 10.1 August 5, 2024 18.1 Preferability letter from Deloitte & Touche LLP regarding change in accounting principle 19.1 Insider Trading Policy - Executive Version 19.2 Insider Trading Policy - ESOC Version 21 Subsidiaries of Kemper Corporation 23 Consent of Deloitte& Touche LLP 31.1 Certification of Chief Executive Officer Pursuant to SEC Rule 13a-14(a) 31.2 Certification of Chief Financial Officer Pursuant to SEC Rule 13a-14(a) 32.1 Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (furnished pursuant to Item 601(b)(32) of Regulation S-K) 32.2 Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (furnished pursuant to Item 601(b)(32) of Regulation S-K) 97.1 Kemper Corporation Policy on Recoupment of Incentive Compensation

* THE VALUE IS THE MARKET VALUE AS OF THE LAST DAY OF THE QUARTER FOR WHICH THE 13F WAS FILED.

FUND	NUMBER OF SHARES	VALUE ($)	PUT OR CALL

DIRECTORS	AGE	BIO	OTHER DIRECTOR MEMBERSHIPS

Customers

Customer name	Ticker
C.H. Robinson Worldwide, Inc.	CHRW

Suppliers

Supplier name	Ticker
Aon Plc	AON
The Hartford Financial Services Group, Inc.	HIG
Amgen Inc.	AMGN
Bristol-Myers Squibb Company	BMY
Fidelity National Information Services, Inc.	FIS
AbbVie Inc.	ABBV

Owner	Position	Direct Shares	Indirect Shares