Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions, Except Per Share Amounts) (Unaudited) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Net Income (Loss) | $ | (62.6) | $ | 126.1 | $ | 60.6 | $ | 190.1 |
Adjusted Consolidated Net Operating Income (Loss) 1
| $ | (99.4) | $ | 79.2 | $ | (12.2) | $ | 242.1 |
Impact of Catastrophe Losses and Related Loss Adjustment Expense (LAE) on Net Income
| $ | (27.5) | $ | (22.3) | $ | (49.3) | $ | (26.9) |
Diluted Net Income Per Share From: | ||||||||
Net Income (Loss) | $ | (0.97) | $ | 1.91 | $ | 0.92 | $ | 2.85 |
Adjusted Consolidated Net Operating Income (Loss) 1
| $ | (1.54) | $ | 1.20 | $ | (0.19) | $ | 3.63 |
Impact of Catastrophe Losses and Related LAE on Net Income Per Share | $ | (0.43) | $ | (0.34) | $ | (0.75) | $ | (0.41) |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) (Unaudited) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Segment Net Operating Income (Loss): | ||||||||
Specialty Property & Casualty Insurance | $ | (91.7) | $ | 67.5 | $ | (11.6) | $ | 127.6 |
Preferred Property & Casualty Insurance | (8.3) | 0.9 | 1.3 | 19.3 | ||||
Life & Health Insurance | 13.0 | 16.1 | 20.3 | 38.4 | ||||
Total Segment Net Operating Income (Loss) | (87.0) | 84.5 | 10.0 | 185.3 | ||||
Corporate and Other Net Operating Income (Loss) | (12.4) | (5.3) | (22.2) | 56.8 | ||||
Adjusted Consolidated Net Operating Income (Loss) 1
| (99.4) | 79.2 | (12.2) | 242.1 | ||||
Net Income (Loss) From: | ||||||||
Change in Fair Value of Equity and Convertible Securities | 32.3 | 56.6 | 73.5 | (36.5) | ||||
Net Realized Gains on Sales of Investments | 15.2 | 9.3 | 26.1 | 22.3 | ||||
Impairment Losses | (2.5) | (5.5) | (5.7) | (15.0) | ||||
Acquisition Related Transaction, Integration and Other Costs | (8.2) | (13.5) | (21.1) | (22.8) | ||||
Net Income (Loss) | $ | (62.6) | $ | 126.1 | $ | 60.6 | $ | 190.1 |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions, Except Per Share Amounts)
|
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Revenues: | ||||||||
Earned Premiums
| $ | 1,337.7 | $ | 1,085.3 | $ | 2,538.5 | $ | 2,251.7 |
Net Investment Income
| 113.9 | 67.8 | 217.0 | 153.4 | ||||
Change in Value of Alternative Energy Partnership Investments2
| (7.7) | - | (23.1) | - | ||||
Other Income
| 7.0 | 1.5 | 8.5 | 91.8 | ||||
Income (Loss) from Change in Fair Value of Equity and Convertible Securities
| 40.8 | 71.6 | 93.0 | (46.2) | ||||
Net Realized Gains on Sales of Investments
| 19.2 | 11.7 | 33.0 | 28.2 | ||||
Impairment Losses | (3.2) | (7.0) | (7.2) | (19.0) | ||||
Total Revenues | 1,507.7 | 1,230.9 | 2,859.7 | 2,459.9 | ||||
Expenses: | ||||||||
Policyholders' Benefits and Incurred Losses and Loss Adjustment Expenses
| 1,224.1 | 747.5 | 2,113.6 | 1,582.7 | ||||
Insurance Expenses
| 314.0 | 272.7 | 597.7 | 544.3 | ||||
Interest and Other Expenses
| 59.3 | 51.0 | 116.5 | 95.5 | ||||
Total Expenses | 1,597.4 | 1,071.2 | 2,827.8 | 2,222.5 | ||||
Income (Loss) before Income Taxes | (89.7) | 159.7 | 31.9 | 237.4 | ||||
Income Tax Benefit (Expense) | 27.1 | (33.6) | 28.7 | (47.3) | ||||
Net Income (Loss) | $ | (62.6) | $ | 126.1 | $ | 60.6 | $ | 190.1 |
Income from Continuing Operations Per Unrestricted Share: | ||||||||
Basic
| $ | (0.97) | $ | 1.93 | $ | 0.93 | $ | 2.88 |
Diluted
| $ | (0.97) | $ | 1.91 | $ | 0.92 | $ | 2.85 |
Net Income Per Unrestricted Share: | ||||||||
Basic
| $ | (0.97) | $ | 1.93 | $ | 0.93 | $ | 2.88 |
Diluted
| $ | (0.97) | $ | 1.91 | $ | 0.92 | $ | 2.85 |
Weighted-average Outstanding (Shares in Thousands): | ||||||||
Unrestricted Shares - Basic | 64,376.8 | 65,257.6 | 64,897.8 | 65,886.8 | ||||
Unrestricted Shares and Equivalent Shares - Diluted | 64,376.8 | 66,020.8 | 66,051.5 | 66,667.9 | ||||
Dividends Paid to Shareholders Per Share | $ | 0.31 | $ | 0.30 | $ | 0.62 | $ | 0.60 |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
REVENUES: | ||||||||
Specialty Property & Casualty Insurance: | ||||||||
Earned Premiums: | ||||||||
Specialty Automobile | $ | 909.6 | $ | 689.8 | $ | 1,695.0 | $ | 1,443.0 |
Commercial Automobile | 100.7 | 69.2 | 192.9 | 138.5 | ||||
Total Earned Premiums | 1,010.3 | 759.0 | 1,887.9 | 1,581.5 | ||||
Net Investment Income | 42.7 | 16.9 | 77.7 | 45.7 | ||||
Change in Value of Alternative Energy Partnership Investments | (3.7) | - | (11.0) | - | ||||
Other Income | 1.0 | 0.1 | 1.9 | 1.0 | ||||
Total Specialty Property & Casualty Insurance Revenues | 1,050.3 | 776.0 | 1,956.5 | 1,628.2 | ||||
Preferred Property & Casualty Insurance: | ||||||||
Earned Premiums:
| ||||||||
Preferred Automobile | 103.5 | 99.1 | 206.5 | 214.0 | ||||
Homeowners | 51.3 | 55.6 | 102.1 | 112.4 | ||||
Other Personal | 8.4 | 8.9 | 16.8 | 18.1 | ||||
Total Earned Premiums | 163.2 | 163.6 | 325.4 | 344.5 | ||||
Net Investment Income | 19.5 | 4.3 | 35.4 | 14.0 | ||||
Change in Value of Alternative Energy Partnership Investments | (2.0) | - | (6.1) | - | ||||
Other Income | - | 0.1 | - | 0.1 | ||||
Total Preferred Property & Casualty Insurance Revenues | 180.7 | 168.0 | 354.7 | 358.6 | ||||
Life & Health Insurance: | ||||||||
Earned Premiums:
| ||||||||
Life | 100.6 | 95.7 | 198.7 | 192.9 | ||||
Accident & Health | 47.9 | 50.8 | 95.3 | 100.2 | ||||
Property | 15.7 | 16.2 | 31.2 | 32.6 | ||||
Total Earned Premiums | 164.2 | 162.7 | 325.2 | 325.7 | ||||
Net Investment Income | 52.4 | 44.3 | 103.5 | 95.3 | ||||
Change in Value of Alternative Energy Partnership Investments | (2.0) | - | (6.0) | - | ||||
Other Income | 0.1 | 0.5 | 0.2 | 0.6 | ||||
Total Life & Health Insurance Revenues | 214.7 | 207.5 | 422.9 | 421.6 | ||||
Total Segment Revenues | 1,445.7 | 1,151.5 | 2,734.1 | 2,408.4 | ||||
Income (Loss) from Change in Fair Value of Equity and Convertible Securities | 40.8 | 71.6 | 93.0 | (46.2) | ||||
Net Realized Gains on Sales of Investments | 19.2 | 11.7 | 33.0 | 28.2 | ||||
Impairment Losses | (3.2) | (7.0) | (7.2) | (19.0) | ||||
Other | 5.2 | 3.1 | 6.8 | 88.5 | ||||
Total Revenues | $ | 1,507.7 | $ | 1,230.9 | $ | 2,859.7 | $ | 2,459.9 |
Jun 30, 2021 |
Dec 31, 2020 | |||
Assets:
| ||||
Investments:
| ||||
Fixed Maturities at Fair Value
| $ | 7,835.0 | $ | 7,605.9 |
Equity Securities at Fair Value
| 957.7 | 858.5 | ||
Equity Securities at Modified Cost
| 32.5 | 40.1 | ||
Equity Method Limited Liability Investments at Cost Plus Cumulative Undistributed Earnings
| 245.5 | 204.0 | ||
Alternative Energy Partnership Investments | 46.6 | 21.3 | ||
Convertible Securities at Fair Value
| 43.6 | 39.9 | ||
Short-term Investments at Cost which Approximates Fair Value
| 370.6 | 875.4 | ||
Other Investments
| 910.8 | 779.0 | ||
Total Investments
| 10,442.3 | 10,424.1 | ||
Cash
| 105.1 | 206.1 | ||
Receivables from Policyholders
| 1,479.9 | 1,194.5 | ||
Other Receivables
| 214.9 | 222.4 | ||
Deferred Policy Acquisition Costs
| 652.7 | 589.3 | ||
Goodwill
| 1,311.9 | 1,114.0 | ||
Current Income Tax Assets
| 94.2 | 15.6 | ||
Other Assets
| 649.7 | 575.9 | ||
Total Assets
| $ | 14,950.7 | $ | 14,341.9 |
Liabilities and Shareholders' Equity:
| ||||
Insurance Reserves:
| ||||
Life & Health
| $ | 3,551.6 | $ | 3,527.5 |
Property & Casualty
| 2,430.8 | 1,982.5 | ||
Total Insurance Reserves
| 5,982.4 | 5,510.0 | ||
Unearned Premiums
| 1,968.1 | 1,615.1 | ||
Policyholder Contract Liabilities
| 442.7 | 467.0 | ||
Deferred Income Tax Liabilities
| 269.6 | 285.7 | ||
Accrued Expenses and Other Liabilities
| 859.4 | 727.9 | ||
Debt at Amortized Cost
| 1,122.3 | 1,172.8 | ||
Total Liabilities
| 10,644.5 | 9,778.5 | ||
Shareholders' Equity:
| ||||
Common Stock
| 6.4 | 6.5 | ||
Paid-in Capital
| 1,770.9 | 1,805.2 | ||
Retained Earnings
| 1,985.9 | 2,071.2 | ||
Accumulated Other Comprehensive Income
| 543.0 | 680.5 | ||
Total Shareholders' Equity
| 4,306.2 | 4,563.4 | ||
Total Liabilities and Shareholders' Equity
| $ | 14,950.7 | $ | 14,341.9 |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Results of Operations
| ||||||||
Net Premiums Written | $ | 1,082.0 | $ | 780.9 | $ | 2,054.0 | $ | 1,692.1 |
Earned Premiums | $ | 1,010.3 | $ | 759.0 | $ | 1,887.9 | $ | 1,581.5 |
Net Investment Income | 42.7 | 16.9 | 77.7 | 45.7 | ||||
Change in Value of Alternative Energy Partnership Investments | (3.7) | - | (11.0) | - | ||||
Other Income | 1.0 | 0.1 | 1.9 | 1.0 | ||||
Total Revenues | 1,050.3 | 776.0 | 1,956.5 | 1,628.2 | ||||
Incurred Losses and LAE related to: | ||||||||
Current Year: | ||||||||
Non-catastrophe Losses and LAE | 877.4 | 515.8 | 1,527.4 | 1,135.6 | ||||
Catastrophe Losses and LAE | 8.1 | 4.5 | 9.8 | 4.7 | ||||
Prior Years: | ||||||||
Non-catastrophe Losses and LAE | 81.3 | 9.6 | 79.9 | 14.9 | ||||
Catastrophe Losses and LAE | - | - | 0.4 | 0.2 | ||||
Total Incurred Losses and LAE | 966.8 | 529.9 | 1,617.5 | 1,155.4 | ||||
Insurance Expenses | 205.6 | 161.2 | 375.9 | 313.3 | ||||
Other Expenses | - | 0.4 | - | - | ||||
Operating Income (Loss) | (122.1) | 84.5 | (36.9) | 159.5 | ||||
Income Tax Benefit (Expense) | 30.4 | (17.0) | 25.3 | (31.9) | ||||
Segment Net Operating Income (Loss) | $ | (91.7) | $ | 67.5 | $ | (11.6) | $ | 127.6 |
Ratios Based On Earned Premiums | ||||||||
Current Year Non-catastrophe Losses and LAE Ratio | 86.9 | % | 67.9 | % | 81.0 | % | 71.9 | % |
Current Year Catastrophe Losses and LAE Ratio | 0.8 | 0.6 | 0.5 | 0.3 | ||||
Prior Years Non-catastrophe Losses and LAE Ratio | 8.0 | 1.3 | 4.2 | 0.9 | ||||
Prior Years Catastrophe Losses and LAE Ratio | - | - | - | - | ||||
Total Incurred Loss and LAE Ratio | 95.7 | 69.8 | 85.7 | 73.1 | ||||
Insurance Expense Ratio | 20.4 | 21.2 | 19.9 | 19.8 | ||||
Combined Ratio | 116.1 | % | 91.0 | % | 105.6 | % | 92.9 | % |
Underlying Combined Ratio1
| ||||||||
Current Year Non-catastrophe Losses and LAE Ratio | 86.9 | % | 67.9 | % | 81.0 | % | 71.9 | % |
Insurance Expense Ratio | 20.4 | 21.2 | 19.9 | 19.8 | ||||
Underlying Combined Ratio1
| 107.3 | % | 89.1 | % | 100.9 | % | 91.7 | % |
Non-GAAP Measure Reconciliation | ||||||||
Combined Ratio | 116.1 | % | 91.0 | % | 105.6 | % | 92.9 | % |
Less: | ||||||||
Current Year Catastrophe Losses and LAE Ratio | 0.8 | 0.6 | 0.5 | 0.3 | ||||
Prior Years Non-catastrophe Losses and LAE Ratio | 8.0 | 1.3 | 4.2 | 0.9 | ||||
Prior Years Catastrophe Losses and LAE Ratio | - | - | - | - | ||||
Underlying Combined Ratio1
| 107.3 | % | 89.1 | % | 100.9 | % | 91.7 | % |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Results of Operations
| ||||||||
Net Premiums Written | $ | 169.6 | $ | 161.5 | $ | 324.0 | $ | 325.6 |
Earned Premiums | $ | 163.2 | $ | 163.6 | $ | 325.4 | $ | 344.5 |
Net Investment Income | 19.5 | 4.3 | 35.4 | 14.0 | ||||
Change in Value of Alternative Energy Partnership Investments | (2.0) | - | (6.1) | - | ||||
Other Income | - | 0.1 | - | 0.1 | ||||
Total Revenues | 180.7 | 168.0 | 354.7 | 358.6 | ||||
Incurred Losses and LAE related to: | ||||||||
Current Year: | ||||||||
Non-catastrophe Losses and LAE | 116.2 | 82.5 | 212.4 | 191.0 | ||||
Catastrophe Losses and LAE | 24.2 | 20.6 | 48.2 | 25.4 | ||||
Prior Years: | ||||||||
Non-catastrophe Losses and LAE | 5.0 | 8.2 | 5.1 | 4.9 | ||||
Catastrophe Losses and LAE | (3.4) | 0.4 | (3.7) | (0.7) | ||||
Total Incurred Losses and LAE | 142.0 | 111.7 | 262.0 | 220.6 | ||||
Insurance Expenses | 52.1 | 55.5 | 103.1 | 114.2 | ||||
Operating Income (Loss) | (13.4) | 0.8 | (10.4) | 23.8 | ||||
Income Tax Benefit (Expense) | 5.1 | 0.1 | 11.7 | (4.5) | ||||
Segment Net Operating Income (Loss) | $ | (8.3) | $ | 0.9 | $ | 1.3 | $ | 19.3 |
Ratios Based On Earned Premiums | ||||||||
Current Year Non-catastrophe Losses and LAE Ratio | 71.2 | % | 50.5 | % | 65.2 | % | 55.4 | % |
Current Year Catastrophe Losses and LAE Ratio | 14.8 | 12.6 | 14.8 | 7.4 | ||||
Prior Years Non-catastrophe Losses and LAE Ratio | 3.1 | 5.0 | 1.6 | 1.4 | ||||
Prior Years Catastrophe Losses and LAE Ratio | (2.1) | 0.2 | (1.1) | (0.2) | ||||
Total Incurred Loss and LAE Ratio | 87.0 | 68.3 | 80.5 | 64.0 | ||||
Insurance Expense Ratio | 31.9 | 33.9 | 31.7 | 33.1 | ||||
Combined Ratio | 118.9 | % | 102.2 | % | 112.2 | % | 97.1 | % |
Underlying Combined Ratio1
| ||||||||
Current Year Non-catastrophe Losses and LAE Ratio | 71.2 | % | 50.5 | % | 65.2 | % | 55.4 | % |
Insurance Expense Ratio | 31.9 | 33.9 | 31.7 | 33.1 | ||||
Underlying Combined Ratio1
| 103.1 | % | 84.4 | % | 96.9 | % | 88.5 | % |
Non-GAAP Measure Reconciliation | ||||||||
Combined Ratio | 118.9 | % | 102.2 | % | 112.2 | % | 97.1 | % |
Less: | ||||||||
Current Year Catastrophe Losses and LAE Ratio | 14.8 | 12.6 | 14.8 | 7.4 | ||||
Prior Years Non-catastrophe Losses and LAE Ratio | 3.1 | 5.0 | 1.6 | 1.4 | ||||
Prior Years Catastrophe Losses and LAE Ratio | (2.1) | 0.2 | (1.1) | (0.2) | ||||
Underlying Combined Ratio1
| 103.1 | % | 84.4 | % | 96.9 | % | 88.5 | % |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Results of Operations
| ||||||||
Earned Premiums | $ | 164.2 | $ | 162.7 | $ | 325.2 | $ | 325.7 |
Net Investment Income | 52.4 | 44.3 | 103.5 | 95.3 | ||||
Change in Value of Alternative Energy Partnership Investments | (2.0) | - | (6.0) | - | ||||
Other Income | 0.1 | 0.5 | 0.2 | 0.6 | ||||
Total Revenues | 214.7 | 207.5 | 422.9 | 421.6 | ||||
Policyholders' Benefits and Incurred Losses and LAE | 115.3 | 105.9 | 234.0 | 206.6 | ||||
Insurance Expenses | 86.2 | 81.7 | 176.5 | 168.6 | ||||
Operating Income (Loss) | 13.2 | 19.9 | 12.4 | 46.4 | ||||
Income Tax Benefit (Expense) | (0.2) | (3.8) | 7.9 | (8.0) | ||||
Segment Net Operating Income (Loss) | $ | 13.0 | $ | 16.1 | $ | 20.3 | $ | 38.4 |
Three Months Ended | Six Months Ended | |||||||
(Dollars in Millions) (Unaudited) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Net Income (Loss) | $ | (62.6) | $ | 126.1 | $ | 60.6 | $ | 190.1 |
Less Net Income (Loss) From: | ||||||||
Change in Fair Value of Equity and Convertible Securities | 32.3 | 56.6 | 73.5 | (36.5) | ||||
Net Realized Gains on Sales of Investments | 15.2 | 9.3 | 26.1 | 22.3 | ||||
Impairment Losses | (2.5) | (5.5) | (5.7) | (15.0) | ||||
Acquisition Related Transaction, Integration and Other Costs | (8.2) | (13.5) | (21.1) | (22.8) | ||||
Adjusted Consolidated Net Operating Income (Loss) 1
| $ | (99.4) | $ | 79.2 | $ | (12.2) | $ | 242.1 |
Three Months Ended | Six Months Ended | |||||||
(Unaudited) |
Jun 30, 2021 |
Jun 30, 2020 |
Jun 30, 2021 |
Jun 30, 2020 | ||||
Diluted Net Income | $ | (0.97) | $ | 1.91 | $ | 0.92 | $ | 2.85 |
Less Net Income (Loss) Per Unrestricted Share From: | ||||||||
Change in Fair Value of Equity and Convertible Securities | 0.50 | 0.86 | 1.12 | (0.55) | ||||
Net Realized Gains on Sales of Investments | 0.24 | 0.14 | 0.40 | 0.33 | ||||
Impairment Losses | (0.04) | (0.08) | (0.09) | (0.22) | ||||
Acquisition Related Transaction, Integration and Other Costs | (0.13) | (0.21) | (0.32) | (0.34) | ||||
Diluted Adjusted Consolidated Net Operating Income Per Unrestricted Share1
| $ | (1.54) | $ | 1.20 | $ | (0.19) | $ | 3.63 |
(Dollars in Millions) (Unaudited) |
Jun 30, 2021 |
Dec 31, 2020 | ||
Shareholders' Equity | $ | 4,306.2 | $ | 4,563.4 |
Net Unrealized Gains on Fixed Maturities | 590.5 | 724.0 | ||
Shareholders' Equity Excluding Net Unrealized Gains on Fixed Maturities1
| $ | 3,715.7 | $ | 3,839.4 |
(Dollars in Millions, Except Per Share Amounts) (Unaudited)
| Kemper Consolidated GAAP Financial Measure | Less Impact of Purchase Accounting Adjustments |
As Adjusted for Acquisitions1
| |||
Net Income | $ | (62.6) | $ | (10.1) | $ | (52.5) |
Net Income Per Share - Diluted | $ | (0.97) | $ | (0.15) | $ | (0.82) |
Specialty Property & Casualty Insurance Segment: | ||||||
Earned Premiums | $ | 1,010.3 | $ | - | $ | 1,010.3 |
Segment Net Operating Income (Loss) | $ | (91.7) | $ | (10.4) | $ | (81.3) |
Specialty Personal Automobile Insurance: | ||||||
Earned Premiums | $ | 909.6 | $ | - | $ | 909.6 |
Segment Net Operating Income (Loss) | $ | (101.3) | $ | (10.0) | $ | (91.3) |
(Dollars in Millions, Except Per Share Amounts) (Unaudited)
| Kemper Consolidated GAAP Financial Measure | AAC Historical GAAP Financial Measure | Less Impact of Purchase Accounting Adjustments |
As Adjusted for Acquisitions1
| ||||
Net Income | $ | 126.1 | $ | 18.8 | $ | (4.4) | $ | 149.3 |
Net Income Per Share - Diluted | $ | 1.91 | $ | 0.28 | $ | (0.06) | $ | 2.25 |
Specialty Property & Casualty Insurance Segment: | ||||||||
Earned Premiums | $ | 759.0 | $ | 92.0 | $ | - | $ | 851.0 |
Segment Net Operating Income (Loss) | $ | 67.5 | $ | 13.3 | $ | (4.2) | $ | 85.0 |
Specialty Personal Automobile Insurance: | ||||||||
Earned Premiums | $ | 689.8 | $ | 92.0 | $ | - | $ | 781.8 |
Segment Net Operating Income (Loss) | $ | 55.9 | $ | 13.3 | $ | (3.2) | $ | 72.4 |
Contacts
| |
Investors: Michael Marinaccio |
312.661.4930 or investors@kemper.com
|
Media: Barbara Ciesemier |
312.661.4521 or bciesemier@kemper.com
|
Attachments
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Disclaimer
Kemper Corporation published this content on 29 July 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 29 July 2021 21:29:48 UTC.