v3.25.4
Income Taxes - Reconciliation of the Statutory Federal Income Tax Expense (Benefit) and Rate (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Effective Income Tax Rate Reconciliation [Line Items]      
United States $ 93.8 $ 469.3 $ (490.1)
Bermuda 66.9 (80.8) 143.0
Income (Loss) from Continuing Operations before Tax 160.7 388.5 (347.1)
Amount      
Statutory Federal Income Tax (Expense) Benefit 33.7 81.6 (72.9)
State and Local Income Tax Expense (Benefit), net of Federal Income Tax Effect 1 1.7 0.6 1.1
U.S. Tax on Foreign Insurance Income 14.0 (17.0) 30.0
Tax exempt Income and Dividends Received Deductions (3.2) (3.4) (4.8)
Untaxed Earnings on Company-Owned Life Insurance (9.0) (7.5) (6.1)
Nondeductible Executive Compensation 6.7 3.5 1.8
Nondeductible - Goodwill Impairment 0.0 0.0 6.3
Other nontaxable or nondeductible 1.5 2.4 2.7
Other Adjustments 0.0 0.0 0.0
Income Tax Expense (Benefit) $ 28.1 $ 76.0 $ (74.8)
Rate      
Statutory Federal Income Tax (Expense) Benefit 21.00% 21.00% 21.00%
State and Local Income Tax Expense (Benefit), net of Federal Income Tax Effect 1 1.10% 0.20% (0.30%)
U.S. Tax on Foreign Insurance Income 8.70% (4.40%) (8.60%)
Tax exempt Income and Dividends Received Deductions (2.00%) (0.90%) 1.40%
Untaxed Earnings on Company-Owned Life Insurance (5.60%) (1.90%) 1.80%
Nondeductible Executive Compensation 4.20% 0.90% (0.50%)
Nondeductible - Goodwill Impairment 0.00% 0.00% (1.80%)
Other nontaxable or nondeductible 0.90% 0.60% (0.80%)
Other Adjustments 0.00% 0.00% 0.00%
Income Tax Expense (Benefit) 17.50% 19.60% 21.60%
Net Income (Loss) $ 132.6 $ 312.5 $ (272.3)
Income (Loss) Attributable to Noncontrolling Interest, before Tax (13.6) (6.7) (0.3)
Noncontrolling Interest Tax Benefit (2.9) (1.4) (0.1)
Net Income (Loss) attributable to Kemper Corporation $ 143.3 $ 317.8 $ (272.1)
Noncontrolling Interest Tax Benefit Rate (1.80%) (0.40%) 0.00%
Bermuda      
Amount      
Tax Rate Difference between Bermuda and United States $ (4.0) $ 17.0 $ (30.0)
Bermuda Tax - Change in Enactment 0.0 (2.9) (27.4)
Foreign Tax Credits (9.3) 0.0 0.0
Change in Valuation Allowance $ (0.7) $ 2.9 $ 27.4
Rate      
Tax Rate Difference between Bermuda and United States (2.50%) 4.40% 8.60%
Bermuda Tax - Change in Enactment 0.00% (0.70%) 7.90%
Foreign Tax Credits (5.80%) 0.00% 0.00%
Change in Valuation Allowance (0.40%) 0.70% (7.90%)
United States      
Amount      
Tax credits $ (3.3) $ (1.2) $ (2.9)
Rate      
Tax Credits (2.10%) (0.30%) 0.80%