What is Kemper's life insurance — insurance reserves?

Kemper (KMPR) reported life insurance — insurance reserves of $3.29B in Q4 2025.

What does life insurance — insurance reserves mean?

Represents the estimated liability for future policy benefits and unpaid claims within the life insurance segment. This reserve ensures the company maintains sufficient capital to meet long-term obligations to policyholders as they become due.

Kemper KMPR Life Insurance — Insurance Reserves

Other segment segments

Specialty Property & Casualty Insurance

$2.77B+18.0%

Similar metrics at other companies

FRHCLife Insurance — Reserves for claims and claims' adjustment expenses

$4.63M-85.1%

CINFLife Insurance Segment — Reserve for loss and loss expenses

$75M+2.7%

ABMInsurance Reserve, Current

$206.8M+2.2%

WMKInsurance Reserve, Current

$16.31M-15.4%

WRBInsurance — Reserve for Losses and Loss Expenses

$18.59B+10.1%

AVAHLong Term Insurance Reserves

$51.81M+12.8%

Other financials

Income statement

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Revenue$1.1B-7.2%

Operating income$132.4M+440%

Net income-$1.7M-102%

EPS (diluted)-$0.03-102%

Balance sheet

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Cash & equivalents$92.6M-19.8%

Total debt$944.0M-5.3%

Total equity$2.6B+624%

Total assets$12.4B-0.5%

Cash flow

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Operating cash flow$88.8M-50.7%

CapEx$10.9M+41.6%

Free cash flow$77.9M-54.8%

Valuation

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Market cap$1.54B-58.0%

Profitability

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Net margin1.1%-6.3pp

FCF margin9.8%-0.3pp

Returns & leverage

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Return on equity3.3%-20.1pp

Debt / equity0.4×-2.4×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

The official record: Kemper’s 10-K, filed February 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kemper's life insurance — insurance reserves?: Kemper (KMPR) reported life insurance — insurance reserves of $3.29B in Q4 2025.
What does life insurance — insurance reserves mean?: Represents the estimated liability for future policy benefits and unpaid claims within the life insurance segment. This reserve ensures the company maintains sufficient capital to meet long-term obligations to policyholders as they become due.