Kemper is a financial organization providing insurance and consumer finance solutions for individuals and small businesses. The Company, through its subsidiaries, provides automobile, homeowners, life, health, and other insurance products to individuals and businesses. Kemper operates through two segments: Property & Casualty Insurance, and Life & Health Insurance. The Property & Casualty Insurance segment's products include personal automobile insurance, both preferred and nonstandard, homeowners insurance, other personal insurance and commercial automobile insurance. These products are distributed primarily through independent agents and brokers. The Life & Health Insurance segment's products are individual life, accident, health and property insurance.