0000860748false00008607482025-01-222025-01-220000860748us-gaap:CommonStockMember2025-01-222025-01-220000860748kmpr:A5875FixedRateResetJuniorSubordinatedDebenturesDue2062Member2025-01-222025-01-22

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
Form 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 22, 2025 
Kemper Corporation
(Exact name of registrant as specified in its charter)
 
Commission File Number: 001-18298
 
DE 95-4255452
(State or other jurisdiction
of incorporation)		 (IRS Employer
Identification No.)
200 E. Randolph Street, Suite 3300, Chicago, IL 60601
(Address of principal executive offices, including zip code)
312-661-4600
(Registrant’s telephone number, including area code)
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions (see General Instruction A.2.below):
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $0.10 per shareKMPRNYSE
5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062KMPBNYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging Growth Company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of
the Exchange Act.    ¨


Section 7 – Regulation FD
Item 7.01.
Regulation FD Disclosure.
On January 22, 2025, Kemper Corporation (“Kemper” or the “Registrant”) issued a press release announcing the schedule for its fourth quarter 2024 earnings release and its preliminary estimated catastrophe losses attributable to the California wildfires for the first quarter of 2025 through the date of filing. The press release is attached as Exhibit 99.1 to this report and is incorporated herein by reference.

Section 9 – Financial Statements and Exhibits
Item 9.01.
Financial Statements and Exhibits.
(d) Exhibits

Exhibit Number
Exhibit Description
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
  Kemper Corporation
Date:January 22, 2025
/s/    C. Thomas Evans, Jr.
 
C. Thomas Evans, Jr.
 
Executive Vice President, Secretary and General Counsel


Exhibit 99.1
kemperlogocolorwebfinala05a.jpg
Kemper Corporation
200 East Randolph Street
Suite 3300
Chicago, IL 60601
kemper.com

Press Release
Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release
Provides Initial Insight on 1Q2025 California Wildfire Losses

CHICAGO, January 22, 2025 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, February 5, Kemper intends to issue its fourth quarter 2024 earnings release and financial supplement. The company expects to file its annual report on Form 10-K with the Securities and Exchange Commission shortly thereafter. Following their publication, these documents will be available in the investor section of kemper.com.

Catastrophe Losses - First Quarter 2025 Wildfires
Kemper has limited exposure to the California wildfires. Preliminary estimated losses attributable to the wildfires incurred to date in the first quarter 2025 are less than $1 million.

CONFERENCE CALL DETAILS
Kemper will host its conference call to discuss fourth quarter 2024 results on Wednesday, February 5, at 5:00 pm Eastern (4:00 pm Central). The conference call will be accessible via the internet and telephone at 888.259.6580, Conference ID 79586. To listen via webcast, register online at the investor section of kemper.com at least 15 minutes before the webcast to install any necessary software. A replay of the webcast will be available online at the investor section of kemper.com.

About Kemper
The Kemper family of companies is one of the nation's leading specialized insurers. With approximately $13 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Kemper Auto and Kemper Life brands. Kemper serves over 4.8 million policies, is represented by 22,200 agents and brokers, and has 7,500 associates dedicated to meeting the ever-changing needs of its customers. Learn more about Kemper.

Contacts
Investors: Michael Marinaccio, 312.661.4930, investors@kemper.com
News Media: Barbara Ciesemier, 312.661.4521, bciesemier@kemper.com




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Jan. 22, 2025
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5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062  
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