v2.3.0.15

Business Segments | 9 Months Ended
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Sep. 30, 2011
Segment Reporting [Abstract] |
Business Segments | Note 11 - Business Segments The Company is engaged, through its subsidiaries, in the property and casualty insurance and life and health insurance. The Company conducts its operations through four operating segments: Kemper Preferred, Unitrin Specialty, Unitrin Direct and Life and Health Insurance. The Kemper Preferred segment provides preferred and standard risk personal automobile insurance, homeowners insurance and other personal insurance through independent agents. The Unitrin Specialty segment provides automobile insurance to individuals and businesses in the non-standard and specialty market through independent agents. The non-standard automobile insurance market consists of individuals and companies that have difficulty obtaining standard or preferred risk insurance, usually because of their adverse driving records or claim or credit histories. Unitrin Direct markets personal automobile, homeowners and renters insurance through direct mail and the Internet through web insurance portals, click-thrus and its own website and through employer-sponsored voluntary benefit programs and other affinity relationships. The Life and Health Insurance segment provides individual life, accident, health and property insurance. Note 11 - Business Segments (continued) Segment Revenues for the nine and three months ended September 30, 2011 and 2010 were:
|  | Nine Months Ended |  | Three Months Ended
(Dollars in Millions) |  | Sep 30, 2011 |  | Sep 30, 2010 |  | Sep 30, 2011 |  | Sep 30, 2010
Revenues: |  |  |  |  |  |  |  |
Kemper Preferred: |  |  |  |  |  |  |  |
Earned Premiums |  | $ | 642.8 |  |  | $ | 667.1 |  |  | $ | 216.5 |  |  | $ | 221.8 |
Net Investment Income |  | 38.1 |  |  | 38.6 |  |  | 8.4 |  |  | 12.3 |
Other Income |  | 0.2 |  |  | 0.3 |  |  | 0.1 |  |  | 0.1 |
Total Kemper Preferred |  | 681.1 |  |  | 706.0 |  |  | 225.0 |  |  | 234.2 |
Unitrin Specialty: |  |  |  |  |  |  |  |
Earned Premiums |  | 336.7 |  |  | 359.9 |  |  | 111.0 |  |  | 117.0 |
Net Investment Income |  | 16.4 |  |  | 18.5 |  |  | 3.3 |  |  | 5.7 |
Other Income |  | 0.4 |  |  | 0.5 |  |  | 0.2 |  |  | 0.2 |
Total Unitrin Specialty |  | 353.5 |  |  | 378.9 |  |  | 114.5 |  |  | 122.9 |
Unitrin Direct: |  |  |  |  |  |  |  |
Earned Premiums |  | 171.8 |  |  | 217.6 |  |  | 54.4 |  |  | 68.6 |
Net Investment Income |  | 13.9 |  |  | 16.0 |  |  | 2.9 |  |  | 4.8 |
Other Income |  | 0.1 |  |  | 0.1 |  |  | 0.1 |  |  | — |
Total Unitrin Direct |  | 185.8 |  |  | 233.7 |  |  | 57.4 |  |  | 73.4 |
Life and Health Insurance: |  |  |  |  |  |  |  |
Earned Premiums |  | 485.8 |  |  | 483.2 |  |  | 161.1 |  |  | 160.8 |
Net Investment Income |  | 148.3 |  |  | 158.4 |  |  | 42.9 |  |  | 53.8 |
Other Income |  | 0.1 |  |  | 0.1 |  |  | — |  |  | 0.1 |
Total Life and Health Insurance |  | 634.2 |  |  | 641.7 |  |  | 204.0 |  |  | 214.7 |
Total Segment Revenues |  | 1,854.6 |  |  | 1,960.3 |  |  | 600.9 |  |  | 645.2 |
Net Realized Gains (Losses) on Sales of Investments |  | 27.8 |  |  | 14.6 |  |  | (4.2 | ) |  | 7.2 |
Net Impairment Losses Recognized in Earnings |  | (6.7 | ) |  | (12.7 | ) |  | (5.0 | ) |  | (4.6 | )
Other |  | 6.0 |  |  | 9.5 |  |  | 1.1 |  |  | 2.8 |
Total Revenues |  | $ | 1,881.7 |  |  | $ | 1,971.7 |  |  | $ | 592.8 |  |  | $ | 650.6 |
Note 11 - Business Segments (continued) Segment Operating Profit (Loss) for the nine and three months ended September 30, 2011 and 2010 was:
|  | Nine Months Ended |  | Three Months Ended
(Dollars in Millions) |  | Sep 30, 2011 |  | Sep 30, 2010 |  | Sep 30, 2011 |  | Sep 30, 2010
Segment Operating Profit (Loss): |  |  |  |  |  |  |  |
Kemper Preferred |  | $ | (55.7 | ) |  | $ | 54.0 |  |  | $ | (15.7 | ) |  | $ | 17.1 |
Unitrin Specialty |  | 17.8 |  |  | 23.0 |  |  | 6.7 |  |  | 8.0 |
Unitrin Direct |  | (19.3 | ) |  | (1.7 | ) |  | (3.7 | ) |  | (1.5 | )
Life and Health Insurance |  | 117.8 |  |  | 100.9 |  |  | 34.3 |  |  | 26.9 |
Total Segment Operating Profit |  | 60.6 |  |  | 176.2 |  |  | 21.6 |  |  | 50.5 |
Unallocated Operating Loss |  | (31.8 | ) |  | (18.0 | ) |  | (13.2 | ) |  | (6.2 | )
Total Operating Profit |  | 28.8 |  |  | 158.2 |  |  | 8.4 |  |  | 44.3 |
Net Realized Gains (Losses) on Sales of Investments |  | 27.8 |  |  | 14.6 |  |  | (4.2 | ) |  | 7.2 |
Net Impairment Losses Recognized in Earnings |  | (6.7 | ) |  | (12.7 | ) |  | (5.0 | ) |  | (4.6 | )
Income (Loss) from Continuing Operations before Income Taxes and Equity in Net Loss of Investee |  | $ | 49.9 |  |  | $ | 160.1 |  |  | $ | (0.8 | ) |  | $ | 46.9 |
Segment Net Operating Income (Loss) for the nine and three months ended September 30, 2011 and 2010 was:
|  | Nine Months Ended |  | Three Months Ended
(Dollars in Millions) |  | Sep 30, 2011 |  | Sep 30, 2010 |  | Sep 30, 2011 |  | Sep 30, 2010
Segment Net Operating Income (Loss): |  |  |  |  |  |  |  |
Kemper Preferred |  | $ | (29.7 | ) |  | $ | 41.6 |  |  | $ | (8.0 | ) |  | $ | 13.5 |
Unitrin Specialty |  | 14.4 |  |  | 18.0 |  |  | 5.3 |  |  | 6.2 |
Unitrin Direct |  | (10.1 | ) |  | 0.8 |  |  | (1.6 | ) |  | 0.3 |
Life and Health Insurance |  | 76.0 |  |  | 60.3 |  |  | 22.4 |  |  | 12.4 |
Total Segment Net Operating Income |  | 50.6 |  |  | 120.7 |  |  | 18.1 |  |  | 32.4 |
Unallocated Net Operating Loss |  | (19.5 | ) |  | (8.5 | ) |  | (8.3 | ) |  | (1.8 | )
Net Operating Income |  | 31.1 |  |  | 112.2 |  |  | 9.8 |  |  | 30.6 |
Unallocated Net Income (Loss) From: |  |  |  |  |  |  |  |
Net Realized Gains (Losses) on Sales of Investments |  | 18.0 |  |  | 9.5 |  |  | (2.7 | ) |  | 4.7 |
Net Impairment Losses Recognized in Earnings |  | (4.3 | ) |  | (8.3 | ) |  | (3.3 | ) |  | (3.0 | )
Income from Continuing Operations |  | $ | 44.8 |  |  | $ | 113.4 |  |  | $ | 3.8 |  |  | $ | 32.3 |
Note 11 - Business Segments (continued) Earned Premiums by product line for the nine and three months ended September 30, 2011 and 2010 were:
|  | Nine Months Ended |  | Three Months Ended
(Dollars in Millions) |  | Sep 30, 2011 |  | Sep 30, 2010 |  | Sep 30, 2011 |  | Sep 30, 2010
Life |  | $ | 297.1 |  |  | $ | 298.3 |  |  | $ | 98.0 |  |  | $ | 98.8 |
Accident and Health |  | 124.6 |  |  | 120.5 |  |  | 41.9 |  |  | 40.5 |
Property and Casualty: |  |  |  |  |  |  |  |
Personal Lines: |  |  |  |  |  |  |  |
Automobile |  | 854.7 |  |  | 947.4 |  |  | 281.4 |  |  | 308.3 |
Homeowners |  | 226.4 |  |  | 223.7 |  |  | 76.6 |  |  | 75.1 |
Other Personal |  | 104.5 |  |  | 104.6 |  |  | 35.0 |  |  | 34.8 |
Total Personal Lines |  | 1,185.6 |  |  | 1,275.7 |  |  | 393.0 |  |  | 418.2 |
Commercial Automobile |  | 29.8 |  |  | 33.3 |  |  | 10.1 |  |  | 10.7 |
Total Earned Premiums |  | $ | 1,637.1 |  |  | $ | 1,727.8 |  |  | $ | 543.0 |  |  | $ | 568.2 |

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8595-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8538-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8971-108599 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8981-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8864-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8380-108599 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 35 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8984-108599 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9038-108599 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8933-108599 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 131 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8844-108599 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9031-108599 Reference 14: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9054-108599 Reference 15: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8924-108599 + Details
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