Catatrophe Reinsurance (Tables)

12 Months Ended

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