Exhibit 21

Subsidiaries of KEMPER CORPORATION

Subsidiaries of Kemper Corporation, with their states of incorporation in parentheses, are as follows:

1. 301 Oxford Valley Insurance Agency, Inc. (Pennsylvania)

2. Alpha Property & Casualty Insurance Company (Wisconsin)

3. Capitol County Mutual Fire Insurance Company (Texas)*

4. Charter Indemnity Company (Texas)

5. Connecticut Casualty Insurance Agency, Inc. (Connecticut)

6. Direct Response Corporation (Delaware)

7. Family Security Funerals Company (Texas)

8. Financial Indemnity Company (California)

9. KAHG LLC (Illinois)

10. Kemper Corporate Services, Inc. (Illinois)

11. Kemper Direct General Agency, Inc. (Texas)

12. Kemper General Agency, Inc. (Texas)

13. Kemper Independence Insurance Company (Illinois)

14. Merastar Industries LLC (Delaware)

15. Merastar Insurance Company (Illinois)

16. Mutual Savings Fire Insurance Company (Alabama)

17. Mutual Savings Life Insurance Company (Alabama)

18. National Merit Insurance Company (Illinois)

19. NCM Management Corporation (Delaware)

20. Old Reliable Casualty Company (Missouri)*

21. One East Wacker LLC (Illinois)

22. The Reliable Life Insurance Company (Missouri)

23. Reserve National Insurance Company (Oklahoma)

24. Response General Agency of Texas, Inc. (Connecticut)

25. Response Insurance Company (Illinois)

26. Response Worldwide Direct Auto Insurance Company (Illinois)

27. Response Worldwide Insurance Company (Illinois)

28. Security One Insurance Agency (Tennessee)

29. Trinity Universal Insurance Company (Texas)

30. UICA Investment Holdings LLC (Delaware)

31. Union National Fire Insurance Company (Louisiana)

32. Union National Life Insurance Company (Louisiana)

33. United Casualty Insurance Company of America (Illinois)

34. United Insurance Company of America (Illinois)

35. Unitrin Advantage Insurance Company (New York)

36. Unitrin Auto and Home Insurance Company (New York)

37. Unitrin County Mutual Insurance Company (Texas)*

38. Unitrin Direct Insurance Company (Illinois)

39. Unitrin Direct Property & Casualty Company (Illinois)

40. Unitrin Preferred Insurance Company (New York)

41. Unitrin Safeguard Insurance Company (Wisconsin)

42. Valley Insurance Company (California)

43. Valley Property & Casualty Insurance Company (Oregon)

44. Warner Insurance Company (Illinois)

* May be deemed to be an affiliate pursuant to Rule 1-02 of SEC Regulation S-X.