Kemper Corporation.
KMPR.US | Life insurance
Kemper Corporation is a diversified insurance holding company providing a range of property and casualty, and life insurance products and services in the United States. The company operates through segments like Specialty Property & Casualty Insurance, Life & Health Insurance. Kemper's Specialty P&C...Show More
Better Health for All
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Kemper Corporation's core products, such as accident and health insurance, provide lump sum benefits for health events like heart attacks, cancer, and accidental death/dismemberment.
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These services offer financial protection related to health incidents but do not directly cause or prevent health impacts, resulting in a neutral health effect. The company's products do not carry inherent health risks that require specific disclosure or transparency regarding health outcomes. As an insurance company, Kemper does not hold healthcare-related patents, produce food or nutritional products, conduct clinical trials, or offer products with addiction potential, making these KPIs not applicable. No specific data is available regarding revenue from products with negative health outcomes, safety records, pricing accessibility, reach to vulnerable populations, health innovation investment, health externalities, health equity programs, healthcare workforce support, preventative health measures, healthcare data responsibility, global health crisis response, mental health initiatives, or healthcare education.
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Fair Money & Economic Opportunity
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Kemper reinvested approximately 0.975% of its 2024 net income ($3.1 million out of $317.8 million) in community impact initiatives.
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The company does not generate revenue from high-cost financial products or penalty fees. As an insurance company, Kemper does not provide debt products to consumers. While its Life segment has an Anti-Money Laundering program, the company is not regulated as a lender, and no fair-lending history is available.
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Fair Pay & Worker Respect
-10
Kemper Corporation had one substantiated labor-law violation in 2023, involving a union contract breach that led to a $465,000 back pay award for 28 insurance agents.
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The CEO to median employee pay ratio in 2024 was 167:1.
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Employee satisfaction is rated 3.6 out of 5 stars (72%), with 65% of employees recommending the company and 62% having a positive business outlook.
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However, employee satisfaction varies significantly by demographic group, with Asian, Indigenous American, Native Hawaiian, Transgender, LGBTQ+, people with disabilities, and caregivers reporting notably lower satisfaction scores.
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Employee reviews also consistently cite high turnover, poor management, and heavy workloads as concerns.
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Fair Trade & Ethical Sourcing
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No evidence available to assess Kemper Corporation on Fair Trade & Ethical Sourcing.
Honest & Fair Business
-10
Kemper Corporation's unit, Alliance United Insurance Co., was fined $1.1 million between February 2021 and October 2023 for alleged unfair business practices related to claims handling.
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The company has a Corporate Responsibility Hotline, operated by an independent third party and available 24/7, which allows for confidential and anonymous reporting of violations by employees and vendors.
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,
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Employees receive annual ethics training
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and are protected by a non-retaliation policy for good faith reports,
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though the program's effectiveness is not publicly measured. The board of directors demonstrates strong independence, with 10 out of 11 directors (90.9%) deemed independent under NYSE standards.
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Kemper maintains a comprehensive Code of Business Conduct and Ethics that prohibits employees and vendors from engaging in bribery, kickbacks, and other prohibited practices,
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,
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and Kemper Life has an Anti-Money Laundering Program with regular training.
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Kind to Animals
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Kemper Corporation is an insurance holding company, and its core business model does not typically involve activities related to animal welfare, animal testing, animal-derived ingredients, or habitat impact. The provided articles do not contain any specific, concrete data points or actions by Kemper Corporation that are relevant to the 'Kind to Animals' ethical value. Information found in the articles either explicitly states no data is available for the relevant KPIs
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,
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,
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,
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or pertains to different entities (e.g., Gebr. Kemper GmbH + Co. KG
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or Wayne State University
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), and thus cannot be attributed to KMPR.US.
No War, No Weapons
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No evidence was found in the provided articles regarding Kemper Corporation's involvement in arms manufacturing, military contracts, dual-use technology, sales to sanctioned regimes, or any specific peacebuilding initiatives. The articles primarily detail the company's philanthropic activities through The Kemper Foundation, focusing on education, health, and community development, which do not directly align with the defined KPIs for the 'No War, No Weapons' value.
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Planet-Friendly Business
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The provided articles do not contain specific, quantitative data points that align with the defined KPIs for Planet-Friendly Business. Information regarding greenhouse gas emissions, renewable energy usage, water consumption, green building certifications, waste diversion rates, EU taxonomy alignment, lifecycle impact analysis, recycled material ratios, carbon offset quality, climate-positive investments as a percentage of EBIT, supply chain climate transparency, supplier SBTi targets, biodiversity efforts, deforestation policies, environmental compliance violations, environmental impact assessments, net-zero targets, TCFD alignment, climate scenario analysis, stranded asset transparency, water sourcing from stressed basins, packaging CO2 reduction, climate justice initiatives, just transition programs, or climate adaptation financing is either explicitly stated as 'not specified'
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or 'no specific quantitative data'
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or is presented in a general manner that does not meet the rubric's quantitative thresholds.
Respect for Cultures & Communities
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Kemper Corporation has 17 formal partnerships with community groups, including health organizations and 10 universities.
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The company reported no cultural appropriation incidents.
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A Corporate Responsibility Hotline is available for ethical violations, and the company has Essential Standards of Conduct.
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Free, Prior and Informed Consent (FPIC) processes are not applicable to the company's operations, and there are no reported cultural site disruptions.
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In 2024, Kemper allocated $300,000 to its Read Conmigo bilingual educator program, which represents 9.67% of its $3.1 million total community impact for the year.
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Safe & Smart Tech
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Kemper Corporation experienced two data breaches in December 2020 and March 2021, affecting an estimated 6.1 million customers and employees, compromising sensitive data including Social Security numbers and driver’s license information.
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A $17.6 million settlement was preliminarily approved for a class action lawsuit stemming from these breaches, which included automatic 18 months of credit monitoring and up to $10,000 reimbursement for out-of-pocket losses.
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The settlement also included additional benefits for California members alleging violations of the California Consumer Privacy Act (CCPA), indicating a compliance gap despite the company stating adherence to various federal and state privacy regulations, including GLBA and NYDFS cybersecurity regulations.
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The company is certified to current Payment Card Industry Data Security Standards (PCI-DSS) as of 2022.
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Employees receive security awareness training annually and upon hire.
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Kemper uses 2-step verification and offers device-based authentication options.
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It maintains a formal vulnerability management program that continuously monitors threat intelligence and prioritizes remediation.
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Security testing includes periodic assessments of systems, third-party vulnerability analyses, simulated hacker attacks, penetration tests, and purple team exercises.
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Users have options to opt-out of online tracking, manage app tracking preferences, disable push notifications, and registered users can access, review, and change their personal information, though the website does not respond to "Do Not Track" signals.
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Zero Waste & Sustainable Products
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Kemper sources 100% of its printer paper from recycled materials.
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The company also recycles over 900,000 pounds of materials annually across its locations.
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