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Catatrophe Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2013
Reinsurance Transactions [Abstract] |
Reinsurance Retention Policy | Coverage for each catastrophe reinsurance program effective January 1, 2012 to December 31, 2012 is provided in various layers as presented below:
DOLLARS IN MILLIONS |  | Catastrophe Losses and LAE |  | Percentage of Coverage
In Excess of |  | Up to |
Kemper Preferred, Kemper Direct and Kemper Specialty Segments: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 50.0 |  |  | — | %
1st Layer of Coverage |  | 50.0 |  |  | 100.0 |  |  | 65.0 |
2nd Layer of Coverage |  | 100.0 |  |  | 200.0 |  |  | 95.0 |
3rd Layer of Coverage |  | 200.0 |  |  | 350.0 |  |  | 90.0 |
4th Layer of Coverage |  | 350.0 |  |  | 450.0 |  |  | 50.0 |
Life and Health Segment—Property Insurance Operations: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 8.0 |  |  | — | %
1st Layer of Coverage |  | 8.0 |  |  | 15.0 |  |  | 70.0 |
2nd Layer of Coverage |  | 15.0 |  |  | 40.0 |  |  | 70.0 |
Coverage for each catastrophe reinsurance program effective January 1, 2013 to December 31, 2013 is provided in various layers as presented below:
DOLLARS IN MILLIONS |  | Catastrophe Losses and LAE |  | Percentage of Coverage
In Excess of |  | Up to |
Kemper Preferred, Kemper Direct and Kemper Specialty Segments: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 50.0 |  |  | — | %
1st Layer of Coverage |  | 50.0 |  |  | 100.0 |  |  | 65.0 |
2nd Layer of Coverage |  | 100.0 |  |  | 200.0 |  |  | 95.0 |
3rd Layer of Coverage |  | 200.0 |  |  | 350.0 |  |  | 90.0 |
4th Layer of Coverage |  | 350.0 |  |  | 450.0 |  |  | 50.0 |
Coverage for each catastrophe reinsurance program effective January 1, 2011 to December 31, 2011 is provided in various layers as presented below:
DOLLARS IN MILLIONS |  | Catastrophe Losses and LAE |  | Percentage of Coverage
In Excess of |  | Up to |
Kemper Preferred Segment: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 50.0 |  |  | — | %
1st Layer of Coverage |  | 50.0 |  |  | 100.0 |  |  | 65.0 |
2nd Layer of Coverage |  | 100.0 |  |  | 200.0 |  |  | 95.0 |
3rd Layer of Coverage |  | 200.0 |  |  | 350.0 |  |  | 90.0 |
Kemper Direct and Kemper Specialty Segments: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 3.0 |  |  | — | %
1st Layer of Coverage |  | 3.0 |  |  | 16.0 |  |  | 100.0 |
Life and Health Segment—Property Insurance Operations: |  |  |  |  |  |
Retained |  | $ | — |  |  | $ | 8.0 |  |  | — | %
1st Layer of Coverage |  | 8.0 |  |  | 15.0 |  |  | 70.0 |
2nd Layer of Coverage |  | 15.0 |  |  | 40.0 |  |  | 100.0 |
Catastrophe Reinsurance Premiums | Reinsurance premiums for the Company’s primary catastrophe reinsurance programs, the Kemper Preferred NC Program and the FHCF Program reduced earned premiums for the years ended December 31, 2013, 2012 and 2011 by the following:
DOLLARS IN MILLIONS |  | 2013 |  | 2012 |  | 2011
Kemper Preferred |  | $ | 23.2 |  |  | $ | 24.6 |  |  | $ | 20.0 |
Kemper Specialty |  | 0.1 |  |  | 0.1 |  |  | 0.1 |
Kemper Direct |  | 0.3 |  |  | 0.4 |  |  | 0.8 |
Life and Health Insurance |  | — |  |  | 2.0 |  |  | 2.3 |
Total Ceded Catastrophe Reinsurance Premiums |  | $ | 23.6 |  |  | $ | 27.1 |  |  | $ | 23.2 |
Catastrophe Losses and LAE, Net Reinsurance Recoveries | Catastrophe losses and LAE (including reserve development), net of reinsurance recoveries, for the years ended December 31, 2013, 2012 and 2011 by business segment are presented below.
DOLLARS IN MILLIONS |  | 2013 |  | 2012 |  | 2011
Kemper Preferred |  | $ | 29.2 |  |  | $ | 99.2 |  |  | $ | 138.7 |
Kemper Specialty |  | 3.7 |  |  | 4.9 |  |  | 3.9 |
Kemper Direct |  | 1.7 |  |  | 8.0 |  |  | 7.2 |
Life and Health Insurance |  | 1.6 |  |  | 6.1 |  |  | 7.6 |
Total Catastrophe Losses and LAE |  | $ | 36.2 |  |  | $ | 118.2 |  |  | $ | 157.4 |

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- Definition Tabular disclosure of reinsurance retention policy. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 20 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6480758&loc=d3e6811-158387 + Details
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