Catatrophe Reinsurance (Tables)

12 Months Ended

Dec. 31, 2012

Reinsurance Policy and Procedures [Abstract]

Liability for Catastrophe Claims Disclosure [Table Text Block]

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
DOLLARS IN MILLIONS	In Excess of		Up to		Percentage of Coverage
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

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
DOLLARS IN MILLIONS	In Excess of		Up to		Percentage of Coverage
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, 2010 to December 31, 2010 is provided in various layers as presented below:



DOLLARS IN MILLIONS	Catastrophe Losses and LAE				Percentage of Coverage
DOLLARS IN MILLIONS	In Excess of		Up to		Percentage of Coverage
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		88.5
2nd Layer of Coverage	15.0		40.0		100.0

Catastrophe Reinsurance Premiums [Table Text Block]

einsurance 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, 2012, 2011 and 2010 by the following:



DOLLARS IN MILLIONS	2012		2011		2010
Kemper Preferred	$	24.6	$	20.0	$	21.9
Kemper Specialty	0.1		0.1		0.3
Kemper Direct	0.4		0.8		0.8
Life and Health Insurance	2.0		2.3		3.6
Total Ceded Catastrophe Reinsurance Premiums	$	27.1	$	23.2	$	26.6

Catastrophe Losses and LAE, Net Reinsurance Recoveries [Table Text Block]

Catastrophe losses and LAE (including development), net of reinsurance recoveries, for the years ended December 31, 2012, 2011 and 2010 by business segment are presented below.



DOLLARS IN MILLIONS	2012		2011		2010
Kemper Preferred	$	99.2	$	138.7	$	65.2
Kemper Specialty	4.9		3.9		3.0
Kemper Direct	8.0		7.2		2.0
Life and Health Insurance	6.1		7.6		7.9
Total Catastrophe Losses and LAE	$	118.2	$	157.4	$	78.1

- Definition

Tabular disclosure of the risk of loss equal to the estimated amount of payments on costs of settling insured claims and costs incurred in the claims settlement process and future benefit payments resulting from conflagration, earthquake, windstorm, explosion, or similar event resulting in substantial losses that have occurred as of the balance sheet date, identified by business segment and country.

+ References+ Details