KMPR / Kemper Corporation - Pemfailan SEC, Laporan Tahunan, Penyata Proksi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 13, 2025 Kemper Corporatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 13, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation

Kemper Announces $150 Million Accelerated Share Repurchase

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces $150 Million Accelerated Share Repurchase CHICAGO, August 13, 2025 — Kemper Corporation (NYSE: KMPR) announced today that it has entered into an accelerated share repurchase transaction (“ASR”) under an agreement with Goldman Sachs & Co. LLC to repurchase $150 million of

Kemper Reports Second Quarter 2025 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Second Quarter 2025 Operating Results* CHICAGO, August 5, 2025 — Kemper Corporation (NYSE: KMPR) reported net income of $72.6 million, or $1.12 per diluted share, for the second quarter of 2025, compared to net income of $75.4 million, or $1.16 per diluted share, for the se

Kemper Announces $500 Million Share Repurchase Authorization and Quarterly Dividend

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces $500 Million Share Repurchase Authorization and Quarterly Dividend CHICAGO, August 5, 2025 — Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has approved a new share repurchase authorization, under which the Company can repurchase up to $500 mi

Investor Supplement Second Quarter 2025 Caution Regarding Forward-Looking Statements

Investor Supplement Second Quarter 2025 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Earnings Call Presentation – 2Q 2025 Second Quarter 2025 Earnings August 5, 2025 Earnings Call Presentation – 2Q 2025 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by re

kmpr-6302025xearningsxpr Earnings Call Presentation – 2Q 2025 Second Quarter 2025 Earnings August 5, 2025 Earnings Call Presentation – 2Q 2025 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2025 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 6/30/2025 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2025 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-18298 A. (Full title of the plan and addre

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 KEMPER CORPORATION (Exact name of registrant as specified in its charter)

As filed with the Securities and Exchange Commission on May 7, 2025 Registration No.

Kemper Reports First Quarter 2025 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports First Quarter 2025 Operating Results* CHICAGO, May 7, 2025 — Kemper Corporation (NYSE: KMPR) reported net income of $99.7 million, or $1.54 per diluted share, for the first quarter of 2025, compared to net income of $71.3 million, or $1.10 per diluted share, for the first q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2025 Kemper Corporation (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

Calculation of Filing Fee Table.

EXHIBIT 107 Calculation of Filing Fee Table FORM S-8 (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock, par value $0.

Earnings Call Presentation – 1Q 2025 First Quarter 2025 Earnings May 7, 2025 Earnings Call Presentation – 1Q 2025 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by refere

Earnings Call Presentation – 1Q 2025 First Quarter 2025 Earnings May 7, 2025 Earnings Call Presentation – 1Q 2025 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Investor Supplement First Quarter 2025 Caution Regarding Forward-Looking Statements

Investor Supplement First Quarter 2025 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Form of Performance-Based Restricted Stock Unit Award Agreement (Adjusted Tangible Book Value with a Relative TSR Modifier) as of February

Kemper Corporation 2023 Amended and Restated Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Adjusted Tangible Book Value with a Relative TSR Modifier) This PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance-based restricted stock units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 3/31/2025 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Form of Restricted Stock Unit Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Subsidiaries of Kemper Corporation

Exhibit 21 Subsidiaries of KEMPER CORPORATION Subsidiaries of Kemper Corporation, with their states of incorporation in parentheses, are as follows: 1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-18298 Kemper Corporation (Exact name of registrant as specified i

Description of Securities Registered Under Section 12 of the Exchange Act

Exhibit 4.8 Description of Securities of Kemper Corporation Registered under Section 12 of the Exchange Act as of December 31, 2022 Description of the Company’s Common Stock The following is a summary of the material terms and provisions of the capital stock of Kemper Corporation (“we,” “us,” “our,” “Kemper” or “Company”) and does not purport to be complete. It is qualified by reference to our Res

Preferability letter from Deloitte & Touche LLP regarding change in accounting principle

Exhibit 18.1 May 2, 2022 Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, Illinois 60601 Dear Sirs/Madams: At your request, we have read the description included in your Quarterly Report on Form 10-Q to the Securities and Exchange Commission for the quarter ended March 31, 2022, of the facts relating to including anticipated net investment income in premium deficiency assessments p

Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Insider Trading Policy - ESOC Version

Kemper Insider Trading Policy – ESOC Version Kemper is a publicly traded entity, so it is important for all employees to understand the laws and our policy prohibiting insider trading.

Kemper Corporation Policy on Recoupment of Incentive Compensation

KEMPER CORPORATION POLICY ON RECOUPMENT OF INCENTIVE COMPENSATION I. Introduction The Human Resources and Compensation Committee (“Committee”) of the Board of Directors (“Board”) of Kemper Corporation (“Company”) has adopted this Policy on Recoupment of Incentive Compensation (“Policy”), which provides for the recoupment of compensation in certain circumstances in the event of a restatement of fin

Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Form of Performance Share Unit Award Agreement (Relative TSR) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Insider Trading Policy - Executive Version

Kemper Insider Trading Policy – Executive Version Kemper is a publicly traded entity, so it is important for all employees to understand the laws and our policy prohibiting insider trading.

Form of Special Equity Award Agreement as of February 1, 2022 under the 2020 Omnibus Equity Plan

Kemper Corporation 2020 Omnibus Equity Plan 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (Cliff-Vesting Form) This 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (“Agreement”) is made as of this day of , 2022 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Performance Share Unit Award Agreement (Adjusted ROE) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Restricted Stock Unit Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Investor Supplement Fourth Quarter 2024 Caution Regarding Forward-Looking Statements

Investor Supplement Fourth Quarter 2024 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 5, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Reports Fourth Quarter 2024 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Fourth Quarter 2024 Operating Results* CHICAGO, February 5, 2025 — Kemper Corporation (NYSE: KMPR) reported net income of $97.4 million, or $1.51 per diluted share, for the fourth quarter of 2024, compared to net income of $51.4 million, or $0.80 per diluted share, for the

Earnings Call Presentation – 4Q 2024 Fourth Quarter 2024 Earnings February 5, 2025 Earnings Call Presentation – 4Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by

Earnings Call Presentation – 4Q 2024 Fourth Quarter 2024 Earnings February 5, 2025 Earnings Call Presentation – 4Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release Provides Initial Insight on 1Q2025 California Wildfire Losses

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release Provides Initial Insight on 1Q2025 California Wildfire Losses CHICAGO, January 22, 2025 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, February 5, Kemper intends to issue its f

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2025 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

JOINT FILING AGREEMENT

EX-99 2 Rule13DJointFilingAgreement.htm JOINT FILING AGREEMENT JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13G (the “Schedule 13G”) with respect to the common stock of Kemper Corporation is, and any additional amendment thereto signed by each of the undersigned shall be, filed on behalf of each undersigned pursuant to and in accordance with the provisions of 13d-1(k) und

KMPR / Kemper Corporation / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Kemper Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 488401100 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

Earnings Call Presentation – 3Q 2024 Third Quarter 2024 Earnings October 30, 2024 Earnings Call Presentation – 3Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by r

Earnings Call Presentation – 3Q 2024 Third Quarter 2024 Earnings October 30, 2024 Earnings Call Presentation – 3Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 9/30/2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Investor Supplement Third Quarter 2024 Caution Regarding Forward-Looking Statements

Investor Supplement Third Quarter 2024 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Reports Third Quarter 2024 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Third Quarter 2024 Operating Results* CHICAGO, October 30, 2024 — Kemper Corporation (NYSE: KMPR) reported net income of $73.7 million, or $1.14 per diluted share, for the third quarter of 2024, compared to a net loss of $146.3 million, or $(2.28) per share, for the third q

Earnings Call Presentation – 2Q 2024 Second Quarter 2024 Earnings August 5, 2024 Earnings Call Presentation – 2Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by re

Earnings Call Presentation – 2Q 2024 Second Quarter 2024 Earnings August 5, 2024 Earnings Call Presentation – 2Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Each of the agreements is identical except that the multipliers for benefits related to severance payment, life insurance and health insurance are 3 years, 3 years and 36 months, respectively, for the Chief Executive Officer and 2 years, 2 years and 24 months, respectively, for the other officers.

[Date] [Executive] Kemper Corporation 200 E. Randolph Street, Suite 3300 Chicago, IL 60601 Dear [Executive]: Kemper Corporation (“Company”) considers you to be a valued employee of the “Employer” (as defined below). In recognition of the value of your continued services to the Employer, the Company’s shareholders and other relevant constituencies, the Company proposes the following agreement (“Agr

Investor Supplement Second Quarter 2024 Caution Regarding Forward-Looking Statements

Investor Supplement Second Quarter 2024 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 6/30/2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Kemper Reports Second Quarter 2024 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Second Quarter 2024 Operating Results* CHICAGO, August 5, 2024 — Kemper Corporation (NYSE: KMPR) reported net income of $75.4 million, or $1.16 per diluted share, for the second quarter of 2024, compared to a net loss of $97.1 million, or $(1.52) per share, for the second q

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Kemper Announces Second Quarter Preliminary Results and Schedule for Earnings Release

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Second Quarter Preliminary Results and Schedule for Earnings Release CHICAGO, July 24, 2024 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Monday, August 5, Kemper intends to issue its second quarter 2024 earnings release, financial supp

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-18298 A. (Full title of the plan and addre

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

Kemper Director Gerald Laderman Named Chairman Succeeds Joseph P. Lacher, Jr. Who Retains CEO, President and Director Roles

Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Director Gerald Laderman Named Chairman Succeeds Joseph P. Lacher, Jr. Who Retains CEO, President and Director Roles CHICAGO-(BUSINESS WIRE)-Kemper Corporation (NYSE: KMPR) today announced that its Board of Directors has elected current Director Gerald Laderman to the role of Chairman of the Bo

Earnings Call Presentation – 1Q 2024 First Quarter 2024 Earnings May 1, 2024 Earnings Call Presentation – 1Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by refere

Earnings Call Presentation – 1Q 2024 First Quarter 2024 Earnings May 1, 2024 Earnings Call Presentation – 1Q 2024 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Calculation of Filing Fee Table.

EXHIBIT 107 Calculation of Filing Fee Table FORM S-8 (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Newly Registered Securities Security Type Security Class Title Fee Calculation Rate Amount Registered(1) Proposed Maximum Offering Pricer Per Unit(2) Maximum Aggregate Offering Price(2) Fee Rate Amount of Registrations Fee(2) Equity(3) Common Stock, par value $.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 KEMPER CORPORATION (Exact name of registrant as specified in its charter)

As filed with the Securities and Exchange Commission on May 1, 2024 Registration No.

Kemper Reports First Quarter 2024 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports First Quarter 2024 Operating Results* CHICAGO, May 1, 2024 — Kemper Corporation (NYSE: KMPR) reported net income of $71.3 million, or $1.10 per diluted share, for the first quarter of 2024, compared to a net loss of $80.1 million, or $(1.25) per share, for the first quarter

Investor Supplement First Quarter 2024 Caution Regarding Forward-Looking Statements

Investor Supplement First Quarter 2024 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Form of Restricted Stock Unit Award Agreement (ELT Retention) as of February 6, 2024 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (2024 Performance Awards) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 3/31/2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Kemper Announces First Quarter Preliminary Results and Schedule for Earnings Release

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces First Quarter Preliminary Results and Schedule for Earnings Release CHICAGO, April 23, 2024 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, May 1, Kemper will issue its first quarter 2024 earnings release, financial supplement,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

KMPR / Kemper Corporation / Sarofim Christopher Binyon - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No.

KMPR / Kemper Corporation / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01271-kempercorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Kemper Corp Title of Class of Securities: Common Stock CUSIP Number: 488401100 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pu

Kemper Names Bradley T. Camden as Chief Financial Officer

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Names Bradley T. Camden as Chief Financial Officer CHICAGO, February 12, 2024 — Kemper Corporation (NYSE: KMPR) announced today that Bradley T. Camden has been named Executive Vice President and Chief Financial Officer, effective immediately. Camden, who has served as Interim CFO s

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 12, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporati

KMPR / Kemper Corporation / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* KEMPER Corp (Name of Issuer) Common Stock (Title of Class of Securities) 488401100 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designa

Kemper Corporation Policy on Recoupment of Incentive Compensation

KEMPER CORPORATION POLICY ON RECOUPMENT OF INCENTIVE COMPENSATION I. Introduction The Human Resources and Compensation Committee (“Committee”) of the Board of Directors (“Board”) of Kemper Corporation (“Company”) has adopted this Policy on Recoupment of Incentive Compensation (“Policy”), which provides for the recoupment of compensation in certain circumstances in the event of a restatement of fin

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Adjusted ROE)

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance-based restricted stock units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form)

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form)

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Restricted Stock Unit Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Performance Share Unit Award Agreement (Relative TSR) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form)

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Kemper Names Dr. Suzet McKinney of Sterling Bay to Board of Directors Announces Retirement of Director Christopher Sarofim

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Names Dr. Suzet McKinney of Sterling Bay to Board of Directors Announces Retirement of Director Christopher Sarofim CHICAGO, February 7, 2024 — Kemper Corporation (NYSE: KMPR) announced that its Board of Directors has elected Dr. Suzet M. McKinney as a Director, effective February

Kemper Corporation 2023 Omnibus Plan NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT

Kemper Corporation 2023 Omnibus Plan NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT This NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Special Equity Award Agreement as of February 1, 2022 under the 2020 Omnibus Equity Plan

Kemper Corporation 2020 Omnibus Equity Plan 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (Cliff-Vesting Form) This 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (“Agreement”) is made as of this day of , 2022 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-18298 Kemper Corporation (Exact name of registrant as specified i

Preferability letter from Deloitte & Touche LLP regarding change in accounting principle

Exhibit 18.1 May 2, 2022 Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, Illinois 60601 Dear Sirs/Madams: At your request, we have read the description included in your Quarterly Report on Form 10-Q to the Securities and Exchange Commission for the quarter ended March 31, 2022, of the facts relating to including anticipated net investment income in premium deficiency assessments p

Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Form of Performance Share Unit Award Agreement (Adjusted ROE) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form)

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Description of Securities Registered Under Section 12 of the Exchange Act

Exhibit 4.8 Description of Securities of Kemper Corporation Registered under Section 12 of the Exchange Act as of December 31, 2022 Description of the Company’s Common Stock The following is a summary of the material terms and provisions of the capital stock of Kemper Corporation (“we,” “us,” “our,” “Kemper” or “Company”) and does not purport to be complete. It is qualified by reference to our Res

Subsidiaries of Kemper Corporation

Exhibit 21 Subsidiaries of KEMPER CORPORATION Subsidiaries of Kemper Corporation, with their states of incorporation in parentheses, are as follows: 1.

Form of Restricted Stock Unit Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 7, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Relative TSR)

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance-based restricted stock units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Kemper Reports Fourth Quarter 2023 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Fourth Quarter 2023 Operating Results* CHICAGO, February 1, 2024 — Kemper Corporation (NYSE: KMPR) reported net income of $51.4 million, or $0.80 per diluted share, for the fourth quarter of 2023, compared to a net loss of $53.3 million, or $(0.84) per share, for the fourth

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Earnings Call Presentation – 4Q 2023 Fourth Quarter 2023 Earnings February 1, 2024 Earnings Call Presentation – 4Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by

Earnings Call Presentation – 4Q 2023 Fourth Quarter 2023 Earnings February 1, 2024 Earnings Call Presentation – 4Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Investor Supplement Fourth Quarter 2023 Caution Regarding Forward-Looking Statements

Investor Supplement Fourth Quarter 2023 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

SEPARATION AND RELEASE AGREEMENT

SEPARATION AND RELEASE AGREEMENT This Separation and Release Agreement (“Agreement”) is made between James J.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Announces Schedule for Fourth Quarter 2023 Earnings Release and Preliminary Results Expects to report net income and net operating earnings for the quarter

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for Fourth Quarter 2023 Earnings Release and Preliminary Results Expects to report net income and net operating earnings for the quarter CHICAGO, January 24, 2024 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Thursday, February

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2024 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Earnings Call Presentation – 3Q 2023 Third Quarter 2023 Earnings October 30, 2023 Earnings Call Presentation – 3Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by r

kmpr-9302023xearningsxpr Earnings Call Presentation – 3Q 2023 Third Quarter 2023 Earnings October 30, 2023 Earnings Call Presentation – 3Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Kemper Reports Third Quarter 2023 Operating Results*

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Third Quarter 2023 Operating Results* CHICAGO, October 30, 2023 — Kemper Corporation (NYSE: KMPR) reported a net loss of $146.3 million, or $(2.28) per share, for the third quarter of 2023, compared to a net loss of $74.8 million, or $(1.17) per share, for the third quarter

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 9/30/2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Investor Supplement Third Quarter 2023 Caution Regarding Forward-Looking Statements

Investor Supplement Third Quarter 2023 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Announces Schedule for Third Quarter 2023 Earnings Release and Preliminary Results Reaffirms guidance and provides update on strategic initiatives

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for Third Quarter 2023 Earnings Release and Preliminary Results Reaffirms guidance and provides update on strategic initiatives CHICAGO, October 23, 2023 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Monday, October 30, Kemper

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 13, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) DE 001-18298 95-4255452 (State or other jurisdiction of incorporation) (Commission File Nu

Kemper Announces Appointment of Interim Chief Financial Officer

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Appointment of Interim Chief Financial Officer CHICAGO, September 15, 2023 – Kemper Corporation (NYSE: KMPR) today announced the appointment of Bradley T. Camden, its Senior Vice President and Treasurer, as Interim Chief Financial Officer, effective immediately. Camden wi

Form of Non-Employee Director Restricted Stock Unit Award Agreement as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT This NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 7, 2023 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 7, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Form of Non-Qualified Stock Option and SAR Award Agreement (Installment-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 7, 2023 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 7, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Form of Performance Share Unit Award Agreement (Adjusted ROE) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance-based restricted stock units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 6/30/2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Kemper Reports Second Quarter 2023 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Second Quarter 2023 Operating Results CHICAGO, August 7, 2023 — Kemper Corporation (NYSE: KMPR) reported a net loss of $97.1 million, or $(1.52) per share, for the second quarter of 2023, compared to a net loss of $72.2 million, or $(1.13) per share, for the second quarter

Form of Restricted Stock Unit Award Agreement (Installment-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Investor Supplement Second Quarter 2023 Caution Regarding Forward-Looking Statements

Investor Supplement Second Quarter 2023 Caution Regarding Forward-Looking Statements This Investor Supplement may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Kemper Announces Exit from Preferred Home and Auto Business

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Exit from Preferred Home and Auto Business CHICAGO, August 7, 2023 — Kemper Corporation (NYSE: KMPR) announced today that it is exiting the preferred home and auto insurance market, sold through its Kemper Personal Insurance brand, and will actively reduce the business im

Form of Performance Share Unit Award Agreement (Relative TSR) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance-based restricted stock units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Restricted Stock Unit Award Agreement (Cliff-Vesting) as of May 2, 2023 under the 2023 Omnibus Plan

Kemper Corporation 2023 Omnibus Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Earnings Call Presentation – 2Q 2023 Second Quarter 2023 Earnings August 7, 2023 Earnings Call Presentation – 2Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by re

kmpr-2022x6302023xearnin Earnings Call Presentation – 2Q 2023 Second Quarter 2023 Earnings August 7, 2023 Earnings Call Presentation – 2Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Kemper Announces Schedule for Second Quarter 2023 Earnings Release and Preliminary Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for Second Quarter 2023 Earnings Release and Preliminary Results CHICAGO, July 27, 2023 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Monday, August 7, 2023, Kemper will issue its second quarter 2023 earnings release, financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-18298 A. (Full title of the plan and addre

Kemper Reports First Quarter 2023 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports First Quarter 2023 Operating Results CHICAGO, May 8, 2023 — Kemper Corporation (NYSE: KMPR) reported a net loss of $80.1 million, or $(1.25) per diluted share, for the first quarter of 2023, compared to a net loss of $86.3 million, or $(1.36) per diluted share, for the firs

Earnings Call Presentation – 1Q 2023 First Quarter 2023 Earnings May 8, 2023 Earnings Call Presentation – 1Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by refere

kmpr20230331ex993a02 Earnings Call Presentation – 1Q 2023 First Quarter 2023 Earnings May 8, 2023 Earnings Call Presentation – 1Q 2023 Preliminary Matters 2 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 3/31/2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2023 Kemper Corporation (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

Investor Supplement First Quarter 2023

Exhibit 99.2 Investor Supplement First Quarter 2023 The financial statements and financial exhibits included herein are unaudited. This supplement recasts previously reported financial information for the provisions of Accounting Standards Update No. 2018-12, “Targeted Improvements to the Accounting for Long-Duration Contracts and related amendments” (“LDTI”) adopted as of January 1, 2023, with a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 3, 2023 Kemper Corporation (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 3, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

As filed with the Securities and Exchange Commission on May 3, 2023

S-8 As filed with the Securities and Exchange Commission on May 3, 2023 Registration No.

Calculation of Filing Fee Table

EXHIBIT 107 Calculation of Filing Fee Table FORM S-8 (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(2) Maximum Aggregate Offering Price(2) Fee Rate Amount of Registration Fee(2) Equity(3) Common Stock, par value $.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Kemper Announces Schedule for First Quarter 2023 Earnings Release and Preliminary Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for First Quarter 2023 Earnings Release and Preliminary Results CHICAGO, April 27, 2023 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Monday, May 8, 2023, Kemper will issue its first quarter 2023 earnings release, financial sup

Kemper Corporation 2023 Omnibus Plan (incorporated by reference to Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A, filed with the Commission on March 22, 2023).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Investor Day ‐ 2023 2023 Investor Day March 9, 2023 Investor Day ‐ 2023 Welcome and Introduction 2 Karen Guerra, VP of Investor Relations Investor Day ‐ 2023 Cautionary Statements Regarding Forward‐Looking Information This presentation may contain or

kmpr2023investorday03092 Investor Day ‐ 2023 2023 Investor Day March 9, 2023 Investor Day ‐ 2023 Welcome and Introduction 2 Karen Guerra, VP of Investor Relations Investor Day ‐ 2023 Cautionary Statements Regarding Forward‐Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward‐looking statements within the meaning of the safe‐harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 9, 2023 Kemper Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 9, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Filing Fees Table

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Kemper Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid Equity Common Stock, par value $0.

Form T-1 Statement of Eligibility of Trustee under the Trust Indenture Act of 1939, as amended, of U.S. Bank Trust Company, National Association, as trustee under the Indenture.

Exhibit 25.1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ☐ Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 91-1821036 I.R.S. E

As filed with the Securities and Exchange Commission on February 13, 2023

Table of Contents As filed with the Securities and Exchange Commission on February 13, 2023 Registration No.

KMPR / Kemper Corp / Sarofim Christopher Binyon - SC 13G/A Passive Investment

SC 13G/A 1 d456611dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 31)* Kemper Corporation (Name of issuer) Common Stock, $ 0.10 par value (Title of class of securities) 48840110-0 (CUSIP number) December 31, 2022 (Date of event which requires filing of this statement) Check the approp

Form of Special Equity Award Agreement as of February 1, 2022 under the 2020 Omnibus Equity Plan

Kemper Corporation 2020 Omnibus Equity Plan 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (Cliff-Vesting Form) This 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (“Agreement”) is made as of this day of , 2022 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

Form of Restricted Stock Unit Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Subsidiaries of Kemper Corporation

Exhibit 21 Subsidiaries of KEMPER CORPORATION Subsidiaries of Kemper Corporation, with their states of incorporation in parentheses, are as follows: 1.

KMPR / Kemper Corp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01231-kempercorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: Kemper Corp. Title of Class of Securities: Common Stock CUSIP Number: 488401100 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule p

Form of Performance Share Unit Award Agreement (Adjusted ROE) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Preferability letter from Deloitte & Touche LLP regarding change in accounting principle

Exhibit 18.1 May 2, 2022 Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, Illinois 60601 Dear Sirs/Madams: At your request, we have read the description included in your Quarterly Report on Form 10-Q to the Securities and Exchange Commission for the quarter ended March 31, 2022, of the facts relating to including anticipated net investment income in premium deficiency assessments p

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-18298 Kemper Corporation (Exact name of registrant as specified i

Exhibit 4.8

Exhibit 4.8 Description of Securities of Kemper Corporation Registered under Section 12 of the Exchange Act as of December 31, 2022 Description of the Company’s Common Stock The following is a summary of the material terms and provisions of the capital stock of Kemper Corporation (“we,” “us,” “our,” “Kemper” or “Company”) and does not purport to be complete. It is qualified by reference to our Res

Form of Performance Share Unit Award Agreement (Relative TSR) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of performance share units (“PSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Restricted Stock Unit Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”) for an Award of restricted stock units (“RSUs”), each representing the right to receive one share of the Company’s common stock (“Common Stock”) on the terms and conditions set forth in this Agreement.

Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (“Agreement”) is made as of this day of , 20 (“Grant Date”) between KEMPER CORPORATION, a Delaware corporation (“Company”), and «name» (“Participant”), for an award consisting of the right and option (“Option”) to purchase, on the terms and conditions hereinafter set forth, shares of the Company’s common stock (“Common Stock”), along with a tandem stock appreciation right (“SAR”).

KMPR / Kemper Corp / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* KEMPER Corp (Name of Issuer) Common Stock (Title of Class of Securities) 488401100 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate t

Kemper Names Byline Bank CEO Alberto Paracchini to Board of Directors; Announces Retirement of Director Robert Joyce

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Names Byline Bank CEO Alberto Paracchini to Board of Directors; Announces Retirement of Director Robert Joyce CHICAGO, February 1, 2023 — Kemper Corporation (NYSE: KMPR) announced that its Board of Directors has elected Alberto J. Paracchini as a Director, effective February 1. The

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 2, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Investor Supplement Fourth Quarter 2022

Exhibit 99.2 Investor Supplement Fourth Quarter 2022 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company’s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the “SEC”). The results of operations for interim periods should not be consid

Kemper Reports Fourth Quarter 2022 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Fourth Quarter 2022 Operating Results CHICAGO, February 2, 2023 — Kemper Corporation (NYSE: KMPR) reported a net loss of $55.5 million, or $(0.87) per diluted share, for the fourth quarter of 2022, compared to a net loss of $105.8 million, or $(1.66) per diluted share, for

Earnings Call Presentation – 4Q 2022 Fourth Quarter 2022 Earnings February 2, 2023 Earnings Call Presentation – 4Q 2022 Preliminary Matters 2 Cautionary Statements Regarding Forward‐Looking Information This presentation may contain or incorporate by

Earnings Call Presentation – 4Q 2022 Fourth Quarter 2022 Earnings February 2, 2023 Earnings Call Presentation – 4Q 2022 Preliminary Matters 2 Cautionary Statements Regarding Forward‐Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward‐looking statements within the meaning of the safe‐harbor provisions of the Private Securities Litigation Reform Act of 1995.

Kemper Announces Schedule for Fourth Quarter 2022 Earnings Release and Preliminary Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Schedule for Fourth Quarter 2022 Earnings Release and Preliminary Results CHICAGO, January 26, 2023 — Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Thursday, February 2, 2023, Kemper will issue its fourth quarter 2022 earnings release and

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

KMPR / Kemper Corp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 7)* Name of issuer: Kemper Corp. Title of Class of Securities: Common Stock CUSIP Number: 488401100 Date of Event Which Requires Filing of this Statement: November 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 1

Amended and Restated Bylaws (incorporated herein by reference to Exhibit 3.1 to the Registrant’s Current Report on Form 8-K, filed with the Commission on December 6, 2022).

EXHIBIT 3.1 ........................................................................... KEMPER CORPORATION AMENDED AND RESTATED BYLAWS Effective November 30, 2022 ........................................................................... TABLE OF CONTENTS PAGE ARTICLE I. OFFICES 1 ARTICLE II. MEETINGS OF STOCKHOLDERS 1 ARTICLE III. BOARD OF DIRECTORS 18 ARTICLE IV. NOTICES 20 ARTICLE V. OFFICERS

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 30, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporati

Investor Supplement Third Quarter 2022

Exhibit 99.2 Investor Supplement Third Quarter 2022 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be conside

Earnings Call Presentation – 3Q 2022 Third Quarter 2022 Earnings November 2, 2022 Earnings Call Presentation – 3Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information t

Earnings Call Presentation ? 3Q 2022 Third Quarter 2022 Earnings November 2, 2022 Earnings Call Presentation ? 3Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Kemper Reports Third Quarter 2022 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Third Quarter 2022 Operating Results CHICAGO, November 2, 2022 ? Kemper Corporation (NYSE: KMPR) reported a net loss of $76.2 million, or $(1.19) per diluted share, for the third quarter of 2022, compared to a net loss of $75.3 million, or $(1.18) per diluted share, for the

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 9/30/2022 OR ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 2, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 13, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporat

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Kemper Announces Agreement to Sell Reserve National to Medical Mutual of Ohio

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Agreement to Sell Reserve National to Medical Mutual of Ohio CHICAGO, August 1, 2022 ? Kemper Corporation (NYSE: KMPR) has agreed to sell Reserve National Insurance Company and its subsidiaries, which are predominantly focused on accident and health insurance, to Medical

Kemper Reports Second Quarter 2022 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Second Quarter 2022 Operating Results CHICAGO, August 1, 2022 ? Kemper Corporation (NYSE: KMPR) reported a net loss of $74.7 million, or $(1.17) per diluted share, for the second quarter of 2022, compared to a net loss of $62.6 million, or $(0.97) per diluted share, for the

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Investor Supplement Second Quarter 2022

Exhibit 99.2 Investor Supplement Second Quarter 2022 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be consid

Earnings Call Presentation – 2Q 2022 Second Quarter 2022 Earnings August 1, 2022 Earnings Call Presentation – 2Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information th

Earnings Call Presentation ? 2Q 2022 Second Quarter 2022 Earnings August 1, 2022 Earnings Call Presentation ? 2Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 6/30/2022 OR ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K/A ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-18298 A. (Full title of the plan and add

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 23.1 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Shareholders and Board of Directors of Kemper Corporation: We consent to the incorporation by reference in Registration Statement Nos. 33-58300 and 333-86935 of Kemper Corporation on Form S-8 of our report dated June 28, 2022, relating to the financial statements and financial statement schedule of the Kemper Corporation

Advances, Collateral Pledge, and Security Agreement, dated as of May 10, 2022, between American Access Casualty Company and the Federal Home Loan Bank of Chicago

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (

Kemper Announces Quarterly Dividend; Stuart Parker to Assume Lead Director Role

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Announces Quarterly Dividend; Stuart Parker to Assume Lead Director Role CHICAGO, May 4, 2022 ? Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared a quarterly dividend of $0.31 per share. The dividend is payable on May 31, 2022, to its sharehol

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 5, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

Investor Supplement First Quarter 2022

Exhibit 99.2 Investor Supplement First Quarter 2022 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be conside

Kemper Reports First Quarter 2022 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports First Quarter 2022 Operating Results CHICAGO, May 2, 2022 ? Kemper Corporation (NYSE: KMPR) reported net loss of $94.8 million, or $(1.49) per diluted share, for the first quarter of 2022, compared to net income of $123.2 million, or $1.85 per diluted share, for the first q

Earnings Call Presentation – 1Q 2022 First Quarter 2022 Earnings May 2, 2022 Earnings Call Presentation – 1Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that i

Earnings Call Presentation ? 1Q 2022 First Quarter 2022 Earnings May 2, 2022 Earnings Call Presentation ? 1Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Preferability letter from Deloitte & Touche LLP regarding change in accounting principle

Exhibit 18.1 May 2, 2022 Kemper Corporation 200 East Randolph Street, Suite 3300 Chicago, Illinois 60601 Dear Sirs/Madams: At your request, we have read the description included in your Quarterly Report on Form 10-Q to the Securities and Exchange Commission for the quarter ended March 31, 2022, of the facts relating to including anticipated net investment income in premium deficiency assessments p

Investor Supplement First Quarter 2022

Exhibit 99.2 Investor Supplement First Quarter 2022 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be conside

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation) (I

Kemper Reports First Quarter 2022 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports First Quarter 2022 Operating Results CHICAGO, May 2, 2022 ? Kemper Corporation (NYSE: KMPR) reported net loss of $94.8 million, or $(1.49) per diluted share, for the first quarter of 2022, compared to net income of $123.2 million, or $1.85 per diluted share, for the first q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 3/31/2022 OR ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Earnings Call Presentation – 1Q 2022 First Quarter 2022 Earnings May 2, 2022 Earnings Call Presentation – 1Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that i

Earnings Call Presentation ? 1Q 2022 First Quarter 2022 Earnings May 2, 2022 Earnings Call Presentation ? 1Q 2022 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 4, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Third Amended and Restated Credit Agreement, dated as of March 15, 2022, by and among Kemper Corporation, a Delaware corporation, as the borrower, the lenders and issuing banks from time to time party thereto, and JPMorgan Chase Bank, N.A., as administrative agent.

Exhibit 10.1 EXECUTION VERSION THIRD AMENDED AND RESTATED CREDIT AGREEMENT dated as of March 15, 2022 among KEMPER CORPORATION, The Lenders Party Hereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent, BANK OF AMERICA, N.A. and WELLS FARGO BANK, NATIONAL ASSOCIATION, as Syndication Agents JPMORGAN CHASE BANK, N.A., BOFA SECURITIES, INC., and WELLS FARGO SECURITIES, LLC, as Joint Bookrunners an

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 10, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 Kemper Corporation (Exact name of registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 Kemper Corporation (Exact name of registrant as specified in its charter) DE 95-4255452 (State of incorporation or organization) (IRS Employer Identification No.) 200 E. Randolph Street Suite 330

Third Supplemental Indenture, dated as of March 10, 2022, by and between the Company and U.S. Bank Trust Company, National Association (Including the form of 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062)

Exhibit 4.2 KEMPER CORPORATION and U.S. Bank Trust Company, National Association as Trustee THIRD SUPPLEMENTAL INDENTURE dated as of March 10, 2022 to the Indenture dated as of September 29, 2020 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 TABLE OF CONTENTS Page ARTICLE 1 APPLICATION OF SUPPLEMENTAL INDENTURE Section 1.1. Application of Third Supplemental Indenture 1 ARTICLE 2

KMPR / Kemper Corp / SAROFIM FAYEZ - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No.

Underwriting Agreement, dated as of March 3, 2022, by and among the Company and Wells Fargo Securities, LLC, BofA Securities, Inc. and Morgan Stanley & Co. LLC, as representatives of the underwriters named on Schedule I thereto.

Exhibit 1.1 Execution Version Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 Underwriting Agreement March 3, 2022 Wells Fargo Securities, LLC BofA Securities, Inc. Morgan Stanley & Co. LLC As representatives of the several Underwriters named in Schedule I hereto c/o Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 Bof

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062

Table of Contents Filed Pursuant to Rule 424B2 Registration No. 333-236429 Prospectus Supplement (To Prospectus dated February 14, 2020) $150,000,000 Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 We are offering $150,000,000 of our 5.875% fixed-rate reset junior subordinated debentures due 2062, or the ?debentures.? The debentures will bear interest (i) from an

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 3, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporation)

Calculation of Filing Fee Tables (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

EX-FILING FEES Calculation of Filing Fee Tables 424(b)(2) (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 5.

Kemper Corporation

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 Press Release Kemper Prices $150 Million Fixed-Rate Reset Junior Subordinated Debentures Offering CHICAGO, March 3, 2022 ? Kemper Corporation (?Kemper?) (NYSE: KMPR) announced today that it has priced a registered offering of $150 million of 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062. Kemper

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 Final Term Sheet Issuer: Kemper Corporation Security Type: Fixed-Rate Reset Junior Subordinated Debentures due 2062 Format: SEC-registered Denominations: $25 and multi

Filed Pursuant to Rule 433 Registration No. 333-236429 Free Writing Prospectus dated March 3, 2022 Relating to the Preliminary Prospectus Supplement dated March 3, 2022 To the Prospectus dated February 14, 2020 Kemper Corporation $150,000,000 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 Final Term Sheet Issuer: Kemper Corporation Security Type: Fixed-Rate Reset Junior Subordinat

SUBJECT TO COMPLETION PRELIMINARY PROSPECTUS SUPPLEMENT DATED MARCH 3, 2022

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-236429 The information in this preliminary prospectus supplement is not complete and may be changed. A registration statement relating to these securities has become effective under the Securities Act of 1933, as amended. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these secu

Second Supplemental Indenture, dated as of February 23, 2022, by and between the Company and U.S. Bank Trust Company, National Association (Including the form of 3.800% Senior Notes due 2032)

Exhibit 4.2 KEMPER CORPORATION and U.S. Bank Trust Company, National Association as Trustee SECOND SUPPLEMENTAL INDENTURE dated as of February 23, 2022 to the Indenture dated as of September 29, 2020 3.800% Senior Notes due 2032 TABLE OF CONTENTS Page ARTICLE 1 APPLICATION OF SUPPLEMENTAL INDENTURE Section 1.1. Application of Second Supplemental Indenture 1 ARTICLE 2 DEFINITIONS Section 2.1. Terms

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 23, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporati

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporati

Calculation of Filing Fee Tables (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

EX-FILING FEES Calculation of Filing Fee Tables 424(b)(2) (Form Type) KEMPER CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 3.

Underwriting Agreement, dated as of February 15, 2022, by and among the Company and BofA Securities, Inc., Credit Suisse Securities (USA) LLC, Goldman Sachs & Co. LLC and J.P. Morgan Securities LLC, as representatives of the underwriters named on Schedule I thereto.

Exhibit 1.1 Execution Version Kemper Corporation 3.800% Senior Notes due 2032 Underwriting Agreement February 15, 2022 BofA Securities, Inc. Credit Suisse Securities (USA) LLC Goldman Sachs & Co. LLC J.P. Morgan Securities LLC As representatives of the several Underwriters named in Schedule I hereto c/o BofA Securities, Inc. One Bryant Park New York, New York 10036 Credit Suisse Securities (USA) L

Kemper Corporation 3.800% Senior Notes due 2032

Table of Contents Filed Pursuant to Rule 424(b)(2) Registration No. 333-236429 Prospectus Supplement (To Prospectus dated February 14, 2020) $400,000,000 Kemper Corporation 3.800% Senior Notes due 2032 We are offering $400,000,000 aggregate principal amount of our 3.800% Senior Notes due 2032, or the ?notes.? We will pay interest semiannually in arrears on the notes on February 23 and August 23 of

Kemper Prices $400 Million Senior Notes Offering

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 Press Release Kemper Prices $400 Million Senior Notes Offering CHICAGO, February 15, 2022 ? Kemper Corporation (?Kemper?) (NYSE: KMPR) announced today that it has priced a registered offering of $400 million of 3.800% Senior Notes due 2032. Kemper intends to use all or a portion of the net proceeds from this offe

Kemper Corporation 3.800% Senior Notes due 2032 Final Term Sheet Issuer: Kemper Corporation Security Type: Senior Unsecured Notes Format: SEC-registered Anticipated Ratings and Outlooks (Moody’s / S&P / Fitch):* Baa3 (Stable) / BBB (Stable) / BBB (Ne

Filed Pursuant to Rule 433 Registration No. 333-236429 Free Writing Prospectus dated February 15, 2022 Relating to the Preliminary Prospectus Supplement dated February 15, 2022 To the Prospectus dated February 14, 2020 Kemper Corporation $400,000,000 3.800% Senior Notes due 2032 Final Term Sheet Issuer: Kemper Corporation Security Type: Senior Unsecured Notes Format: SEC-registered Anticipated Rat

SUBJECT TO COMPLETION PRELIMINARY PROSPECTUS SUPPLEMENT DATED FEBRUARY 15, 2022

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-236429 The information in this preliminary prospectus supplement is not complete and may be changed. A registration statement relating to these securities has become effective under the Securities Act of 1933, as amended. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these secu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-18298 Kemper Corporation (Exact name of registrant as specified i

Subsidiaries of Kemper Corporation

Exhibit 21 Subsidiaries of KEMPER CORPORATION Subsidiaries of Kemper Corporation, with their states of incorporation in parentheses, are as follows: 1.

KMPR / Kemper Corp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01242-kempercorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 6)* Name of issuer: Kemper Corp. Title of Class of Securities: Common Stock CUSIP Number: 488401100 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule p

Form of Special Equity Award Agreement as of February 1, 2022 under the 2020 Omnibus Equity Plan

Kemper Corporation 2020 Omnibus Equity Plan 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (Cliff-Vesting Form) This 2022 GRANT OF RESTRICTED STOCK UNITS AWARD AGREEMENT (?Agreement?) is made as of this day of , 2022 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?) for an Award of restricted stock units (?RSUs?), each representing the right to receive one share of the Company?s common stock (?Common Stock?) on the terms and conditions set forth in this Agreement.

Form of Performance Share Unit Award Agreement (Relative TSR) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Relative TSR) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?) for an Award of performance share units (?PSUs?), each representing the right to receive one share of the Company?s common stock (?Common Stock?) on the terms and conditions set forth in this Agreement.

Form of Non-Qualified Stock Option and SAR Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Installment Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?), for an award consisting of the right and option (?Option?) to purchase, on the terms and conditions hereinafter set forth, shares of the Company?s common stock (?Common Stock?), along with a tandem stock appreciation right (?SAR?).

Form of Restricted Stock Unit Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Cliff-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?) for an Award of restricted stock units (?RSUs?), each representing the right to receive one share of the Company?s common stock (?Common Stock?) on the terms and conditions set forth in this Agreement.

Form of Restricted Stock Unit Award Agreement (Installment Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan RESTRICTED STOCK UNIT AWARD AGREEMENT (Installment-Vesting Form) This RESTRICTED STOCK UNIT AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?) for an Award of restricted stock units (?RSUs?), each representing the right to receive one share of the Company?s common stock (?Common Stock?) on the terms and conditions set forth in this Agreement.

Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff Vesting) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (Cliff-Vesting Form) This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?), for an award consisting of the right and option (?Option?) to purchase, on the terms and conditions hereinafter set forth, shares of the Company?s common stock (?Common Stock?), along with a tandem stock appreciation right (?SAR?).

Description of Capital Stock

Kemper Corporation Description of Capital Stock The following is a summary of the material terms and provisions of the capital stock of Kemper Corporation (?we,? ?us,? ?our,? ?Kemper? or ?Company?) and does not purport to be complete.

Form of Performance Share Unit Award Agreement (Adjusted ROE) as of February 1, 2022 under the 2020 Equity Omnibus Plan

Kemper Corporation 2020 Omnibus Equity Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT (Adjusted ROE) This PERFORMANCE SHARE UNIT AWARD AGREEMENT (?Agreement?) is made as of this day of , 20 (?Grant Date?) between KEMPER CORPORATION, a Delaware corporation (?Company?), and ?name? (?Participant?) for an Award of performance share units (?PSUs?), each representing the right to receive one share of the Company?s common stock (?Common Stock?) on the terms and conditions set forth in this Agreement.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 2, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Names Teladoc Health CEO Jason Gorevic to Board of Directors; Announces Retirement of Director David Storch

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Names Teladoc Health CEO Jason Gorevic to Board of Directors; Announces Retirement of Director David Storch CHICAGO, February 3, 2022 ? Kemper Corporation (NYSE: KMPR) announced that its Board of Directors has elected Jason Gorevic as a Director, effective February 2. The Board als

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2022 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

Kemper Reports Fourth Quarter 2021 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Fourth Quarter 2021 Operating Results CHICAGO, January 31, 2022 ? Kemper Corporation (NYSE: KMPR) reported net loss of $105.8 million, or $(1.66) per diluted share, for the fourth quarter of 2021, compared to net income of $97.5 million, or $1.46 per diluted share, for the

Earnings Call Presentation – 4Q 2021 Fourth Quarter 2021 Earnings January 31, 2022 Earnings Call Presentation – 4Q 2021 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information

Earnings Call Presentation ? 4Q 2021 Fourth Quarter 2021 Earnings January 31, 2022 Earnings Call Presentation ? 4Q 2021 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Investor Supplement Fourth Quarter 2021

Exhibit 99.2 Investor Supplement Fourth Quarter 2021 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be consid

Earnings Call Presentation – 3Q 2021 Third Quarter 2021 Earnings October 28, 2021 Earnings Call Presentation – 3Q 2021 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information t

Earnings Call Presentation ? 3Q 2021 Third Quarter 2021 Earnings October 28, 2021 Earnings Call Presentation ? 3Q 2021 Cautionary Statements Regarding Forward-Looking Information This presentation may contain or incorporate by reference information that includes or is based on forward-looking statements within the meaning of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

Investor Supplement Third Quarter 2021

Exhibit 99.2 Investor Supplement Third Quarter 2021 The financial statements and financial exhibits included herein are unaudited. These financial statements and exhibits should be read in conjunction with the Company?s periodic reports on Forms 10-K, 10-Q and 8-K filed with the U.S. Securities and Exchange Commission (the ?SEC?). The results of operations for interim periods should not be conside

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2021 Kemper Corporation (Exact name of registrant as specified in its charter) Commission File Number: 001-18298 DE 95-4255452 (State or other jurisdiction of incorporatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 9/30/2021 OR ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 Kemper Corporation (Exact

Kemper Reports Third Quarter 2021 Operating Results

Exhibit 99.1 Kemper Corporation 200 East Randolph Street Suite 3300 Chicago, IL 60601 kemper.com Press Release Kemper Reports Third Quarter 2021 Operating Results CHICAGO, October 28, 2021 ? Kemper Corporation (NYSE: KMPR) reported net loss of $75.3 million, or $(1.18) per diluted share, for the third quarter of 2021, compared to net income of $122.3 million, or $1.83 per diluted share, for the th