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Kemper KMPR Term Life Insurance — Interest Accrual

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Other financials

Income statement

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Revenue$1.1B-10.8%
Operating income$132.4M+440%
Net income-$464.8M-740%
EPS (diluted)-$7.90-805%

Balance sheet

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Cash & equivalents$81.2M-54.1%
Total debt$944.5M-5.7%
Total equity$2.2B+493%
Total assets$11.9B-4.4%

Cash flow

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Operating cash flow$30.5M-66.0%
CapEx$11.4M+50.0%
Free cash flow$19.1M-76.7%

Valuation

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Market cap$1.76B-42.1%
Enterprise value$2.62B-32.2%
P/S0.4×-0.2×

Profitability

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Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

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Return on equity-38%-132pp
Debt / equity0.4×-2.3×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome.

The source filing: Kemper’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000860748-26-000084
(Dollars in Millions)Three Months Ended / Jun 30, 2026Three Months Ended / Jun 30, 2025Six Months Ended / Jun 30, 2026Six Months Ended / Jun 30, 2025
Effect of Actual Variances from Expected Experience1.86.911.216.7
Adjusted Beginning of Period Balance706.2701.9697.8697.7
Issuances27.220.353.040.7
Interest Accrual7.47.514.714.8
Net Premiums Collected(25.1)(24.1)(49.8)(47.6)
Ending Balance at Original Discount Rate715.7705.6715.7705.6
Effect of Changes in Discount Rate Assumptions(22.2)(22.5)(22.2)(22.5)
Balance, End of Period$693.5$683.1$693.5$683.1

Item 1. Financial Statements

FAQ

What is Kemper's term life insurance — interest accrual?
Kemper (KMPR) reported term life insurance — interest accrual of $7.4M in Q2 2026.
How has Kemper's term life insurance — interest accrual changed year-over-year?
Kemper's term life insurance — interest accrual decreased by 1.3% year-over-year, from $7.5M to $7.4M.
What is the long-term trend for Kemper's term life insurance — interest accrual?
Over 4 years (2021 to 2025), Kemper's term life insurance — interest accrual has grown at a 14.2% compound annual growth rate (CAGR), from $17.4M to $29.6M.
What does term life insurance — interest accrual mean?
This represents the interest expense accrued on the liability for future policy benefits, reflecting the time value of money applied to long-term insurance obligations. It is a fundamental component of the cost of capital for the life insurance segment. Consistent accrual patterns are essential for maintaining the solvency and long-term funding of policy benefits.

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