What is Kemper's life insurance — unearned premiums?

Kemper (KMPR) reported life insurance — unearned premiums of $8.5M in Q4 2025.

What does life insurance — unearned premiums mean?

The portion of premiums collected that corresponds to the unexpired period of insurance coverage. It represents a liability because the company has not yet provided the full service for which it has been paid.

Kemper KMPR Life Insurance — Unearned Premiums

Other segment segments

Specialty Property & Casualty Insurance

$1.2B-1.0%

Similar metrics at other companies

LNCLife Insurance — Unearned Premiums

$0—

CRBGLife Insurance — Unearned Premiums

$5M0.0%

BHFUniversal Life Insurance — Unearned Premiums

$360M+0.3%

ESN

ESNTUnearned premiums

$226.31M+109%

LNCAnnuities — Unearned Premiums

$0—

HMNUnearned premiums

$363.1M+7.8%

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%

Enterprise value$2.4B-48.7%

P/E30.9×+20.3×

P/S0.3×-0.5×

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 — unearned premiums?: Kemper (KMPR) reported life insurance — unearned premiums of $8.5M in Q4 2025.
What does life insurance — unearned premiums mean?: The portion of premiums collected that corresponds to the unexpired period of insurance coverage. It represents a liability because the company has not yet provided the full service for which it has been paid.