Full-Time
Posted on 11/23/2025
Insurer offering property-casualty and life
$53.2k - $88.6k/yr
Chicago, IL, USA
Hybrid
Kemper is an insurance holding company in the United States offering personal and commercial insurance products through two segments: Specialty Property & Casualty (auto and other coverage) and Life & Health (life and health products). It sells mainly through independent agents and brokers; premiums pay for claims and operations while a large asset base generates investment income. It differentiates itself by combining P&C and life/health lines with a nationwide agent network to provide tailored solutions for individuals, families, and businesses. Its goal is to provide tailored insurance solutions across the United States and manage a broad portfolio of insurance and financial services to meet customer needs.
Company Size
5,001-10,000
Company Stage
IPO
Headquarters
Madrid, Spain
Founded
1990
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Health Insurance
Dental Insurance
Life Insurance
Disability Insurance
401(k) Company Match
401(k) Retirement Plan
Paid Vacation
Employee Stock Purchase Plan
Kemper Corporation (NYSE:KMPR) is one of the Best Small-Cap Growth Stocks to Buy According to Hedge Funds. On March 3, Kemper Corporation (NYSE:KMPR) presented at the Raymond James conference, highlighting its strategic roadmap. Interim CEO Tom candidly addressed headwinds in the auto insurance market. He highlighted California as a pain point due to higher minimum liability limits that hammered profitability. However, the company remains optimistic and looks forward to its expansion in high-potential states like Florida and Texas. This strategy is backed by robust capital and liquidity to fuel efficiency drives and profit recovery. Management highlighted that loss ratios in California jumped by 15 to 16 points in the second half of 2025. This was slightly offset by a 6.9% overall rate hike by the state, with liability coverages surging over 40%. The company aims to reduce its expense ratios to under 20%. Insurance house, car and family health live concept. The insurance agent presents the toys that symbolize the coverage. Looking ahead, Kemper Corporation (NYSE:KMPR) aims to de-risk by accelerating growth beyond California. Management noted that by growing in promising markets such as Florida and Texas, the company will reduce earnings volatility and will be able to reinvest in growth opportunities. Kemper Corporation (NYSE:KMPR) is a diversified insurance holding company that offers property and casualty insurance as well as life insurance through its subsidiaries. While InvestingChannel, Inc. acknowledge the potential of KMPR as an investment, InvestingChannel, Inc. believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see its free report on the best short-term AI stock.
Kemper Corporation reported a net loss of $8.0 million, or $0.13 per share, for the fourth quarter of 2025, compared to net income of $97.4 million in the same period last year. Adjusted Consolidated Net Operating Income was $14.6 million, or $0.25 per share, down from $115.1 million in Q4 2024. The decline was primarily driven by pressure on Specialty Property & Casualty operations due to bodily injury severity. The segment's Underlying Combined Ratio rose to 110.0% from 91.4% year-over-year, affected by higher claim severity, a $35.0 million Florida Statutory Profit Limit Refund, and elevated frequency. Kemper's Life Insurance business delivered solid results through expense management. The company generated 5.1% return on equity for full-year 2025, with book value per share increasing 4.6% to $45.71. Parent liquidity remained strong at over $1.0 billion.
Insurance holding company Kemper will report Q4 results on Wednesday afternoon. Analysts expect revenue to grow 1.4% year-on-year to $1.20 billion, with adjusted earnings of $0.86 per share. Last quarter, Kemper beat revenue expectations by 1.6%, reporting $1.24 billion, up 4.9% year-on-year. However, the company missed analysts' EPS and book value per share estimates. Over the past two years, Kemper has missed Wall Street's revenue estimates twice. Analysts have generally reconfirmed their estimates over the last 30 days. Kemper shares are down 2% over the past month, underperforming the broader insurance sector, which has declined 2.6%. The stock currently trades at $38.98, below analysts' average price target of $58.20.
Kemper names C. Thomas Evans, Jr., as Interim CEO as Lacher steps down. US-based insurer Kemper Corporation has appointed C. Thomas Evans, Jr., the current Executive Vice President (EVP), Secretary, and General Counsel, to serve as Interim Chief Executive Officer (CEO) as Joseph P. Lacher, Jr. steps down. Lacher departs the roles of President and CEO after nearly a decade, and will conclude his service on Kemper's Board of Directors, effective immediately. Lacher will remain with Kemper in an advisory capacity through the end of the year to support the transition process. Meanwhile, the Board has established a search committee and initiated a comprehensive process to hire its next CEO. Evans has deep knowledge of Kemper's business, having served in multiple leadership roles since joining in 1992. Prior to that, he was in private practice at Winston & Strawn, focusing on corporate and commercial litigation. Gerry Laderman, Chairman of the Board, commented, "On behalf of the Board, I want to thank Joe for a decade of dedicated leadership at Kemper and his support throughout this transition. Reinsurance Group appreciate his guidance through challenging periods, including the extraordinary disruptions of the COVID-19 pandemic, and Reinsurance Group wish him all the best. "Looking ahead, the Board will identify the best CEO to lead Kemper into its next chapter of profitable growth. We are also confident in the team's ability to execute on our strategic priorities and successfully navigate this period of transition. We believe in the strength of our core businesses and remain committed to delivering long-term value for our shareholders, continuing to build our culture, and deepening our connection to the communities we serve." Lacher said, "It has been a privilege to serve as CEO of Kemper for the past 10 years. I want to thank our employees, customers, investors, and the Board for their support throughout my tenure. I look forward to seeing what Kemper will achieve in this next phase. I have full confidence in the business, its people, and its potential to deliver sustained, profitable growth." Evans added, "Kemper has been my professional home for more than three decades, and I look forward to working closely with the Board and management team as we navigate this transition. While we are operating in a dynamic environment, I'm confident that our solid foundation and competitive advantages position us for long-term success. We look forward to providing a financial update during our third-quarter earnings call in early November."
Kemper CEO lacher steps down after nearly 10 years. Kemper Corporation (NYSE: KMPR) announced today that Joseph P. Lacher Jr. stepped down as president and chief executive and resigned from the board, effective immediately. Lacher will remain with the insurance company in an advisory role through the end of the year. The board named C. Thomas Evans Jr., executive vice president, secretary and general counsel, as interim CEO while it conducts a search for a permanent replacement. Lacher held the top position for nearly a decade. The company did not provide a reason for his departure.