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Kemper KMPR Term Life Insurance — Current Discount Rate

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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$2.39B-48.7%
P/E30.8×+20.2×
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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

The official record: Kemper’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kemper's term life insurance — current discount rate?
Kemper (KMPR) reported term life insurance — current discount rate of 5.9% in Q1 2026.
How has Kemper's term life insurance — current discount rate changed year-over-year?
Kemper's term life insurance — current discount rate increased by 3.0% year-over-year, from 5.7% to 5.9%.
What is the long-term trend for Kemper's term life insurance — current discount rate?
Over 3 years (2022 to 2025), Kemper's term life insurance — current discount rate has grown at a 5.8% compound annual growth rate (CAGR), from 19.2% to 22.7%.
What does term life insurance — current discount rate mean?
This represents the interest rate used to discount future policy benefit cash flows to their present value. Changes in this rate significantly impact the valuation of insurance liabilities and the resulting financial performance reported by the segment.