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  <xs:element id="kmpr_LiabilityForFuturePolicyBenefitBeforeReinsuranceDeferredProfitLiabilityEffectOfActualVarianceFromExpectedExperienceAndChangeInAssumptions" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceDeferredProfitLiabilityEffectOfActualVarianceFromExpectedExperienceAndChangeInAssumptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_OtherMortgageandAssetbackedSecuritiesMember" abstract="true" name="OtherMortgageandAssetbackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_DebtSecuritiesAvailableForSaleIncludingDisposalGroupAndDiscontinuedOperationsAmortizedCost" abstract="false" name="DebtSecuritiesAvailableForSaleIncludingDisposalGroupAndDiscontinuedOperationsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_DebtSecuritiesAvailableForSaleIncludingDisposalGroupAndDiscontinuedOperations" abstract="false" name="DebtSecuritiesAvailableForSaleIncludingDisposalGroupAndDiscontinuedOperations" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_OtherNonGovernmentalIssuersMember" abstract="true" name="OtherNonGovernmentalIssuersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_EquityMethodLimitedLiabilityInvestmentsMember" abstract="true" name="EquityMethodLimitedLiabilityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_PercentageofUnrealizedLossPositiontoAmortizedCostBasisofAvailableforSaleSecurityAverage" abstract="false" name="PercentageofUnrealizedLossPositiontoAmortizedCostBasisofAvailableforSaleSecurityAverage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kmpr_OutstandingCommitmentsToFundEquityMethodLimitedLiabilityInvestments" abstract="false" name="OutstandingCommitmentsToFundEquityMethodLimitedLiabilityInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_PercentageOfEquityMethodLimitedLiabilityInvestmentsReportedWithoutALag" abstract="false" name="PercentageOfEquityMethodLimitedLiabilityInvestmentsReportedWithoutALag" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kmpr_PercentageOfEquityMethodLimitedLiabilityInvestmentsReportedWithAOneMonthLag" abstract="false" name="PercentageOfEquityMethodLimitedLiabilityInvestmentsReportedWithAOneMonthLag" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kmpr_DebtSecuritiesAvailableForSaleAllowanceForCreditLossIncludingVariableInterestEntity" abstract="false" name="DebtSecuritiesAvailableForSaleAllowanceForCreditLossIncludingVariableInterestEntity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_AlternativeInvestmentsMember" abstract="true" name="AlternativeInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_LimitedLiabilityInvestmentsIncludedinEquitySecuritiesMember" abstract="true" name="LimitedLiabilityInvestmentsIncludedinEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_InvestmentsOtherMember" abstract="true" name="InvestmentsOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_OtherInvestmentMember" abstract="true" name="OtherInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_GrossInvestmentIncomeLossOperating" abstract="false" name="GrossInvestmentIncomeLossOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_GainLossOnSaleOfOtherInvestmentsAbstract" abstract="true" name="GainLossOnSaleOfOtherInvestmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kmpr_GainOnSaleOfOtherInvestments" abstract="false" name="GainOnSaleOfOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_LossOnSaleOfOtherInvestments" abstract="false" name="LossOnSaleOfOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_FairValueInputsNetAssetValueMember" abstract="true" name="FairValueInputsNetAssetValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_FinanceInsuranceandRealEstateMember" abstract="true" name="FinanceInsuranceandRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_AllIndustriesOtherthanFinanceInsuranceandRealEstateMember" abstract="true" name="AllIndustriesOtherthanFinanceInsuranceandRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_MezzanineDebtMember" abstract="true" name="MezzanineDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_SeniorDebtMember" abstract="true" name="SeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_LeveragedBuyoutMember" abstract="true" name="LeveragedBuyoutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_DistressedDebtMember" abstract="true" name="DistressedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_FairValueEquityMethodInvestmentsEntitiesThatCalculateNetAssetValueUnfundedCommitments" abstract="false" name="FairValueEquityMethodInvestmentsEntitiesThatCalculateNetAssetValueUnfundedCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_FairValueAlternativeInvestmentsEntitiesThatCalculateNetAssetValueUnfundedCommitments" abstract="false" name="FairValueAlternativeInvestmentsEntitiesThatCalculateNetAssetValueUnfundedCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_FairValueEquitySecuritiesFVNIEntitiesThatCalculateNetAssetValueUnfundedCommitments" abstract="false" name="FairValueEquitySecuritiesFVNIEntitiesThatCalculateNetAssetValueUnfundedCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_LoansToPolicyholdersMember" abstract="true" name="LoansToPolicyholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_UnitedInsuranceCompanyOfAmericaMember" abstract="true" name="UnitedInsuranceCompanyOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_OtherShorttermInvestmentsFairValueDisclosure" abstract="false" name="OtherShorttermInvestmentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_SurplusNotesReciprocalExchangeMember" abstract="true" name="SurplusNotesReciprocalExchangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_ManagementFeePercentage" abstract="false" name="ManagementFeePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kmpr_SurplusNotesAndGuaranteeFundCertificatesReciprocalExchange" abstract="false" name="SurplusNotesAndGuaranteeFundCertificatesReciprocalExchange" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_AccumulatedLiabilityForFuturePolicyBenefitAdjustmentAttributableToParentMember" abstract="true" name="AccumulatedLiabilityForFuturePolicyBenefitAdjustmentAttributableToParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_RepurchaseProgram2025Member" abstract="true" name="RepurchaseProgram2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_KMPRUniversalLifeTypePolicyholderAccountBalancesMember" abstract="true" name="KMPRUniversalLifeTypePolicyholderAccountBalancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_AmendedAndRestatedCreditAgreementMember" abstract="true" name="AmendedAndRestatedCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_SeniorNotes4.35PercentDueFebruary152025Member" abstract="true" name="SeniorNotes4.35PercentDueFebruary152025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_SeniorNotes2400PercentDueSeptember302030Member" abstract="true" name="SeniorNotes2400PercentDueSeptember302030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_SeniorNotes3800PercentDueFebruary232033Member" abstract="true" name="SeniorNotes3800PercentDueFebruary232033Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kmpr_LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" abstract="false" name="LineOfCreditFacilityAccordionFeatureHigherBorrowingCapacityOption" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_DebtInstrumentInterestDeferralsNumberOfDeferralPeriods" abstract="false" name="DebtInstrumentInterestDeferralsNumberOfDeferralPeriods" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kmpr_DebtInstrumentInterestDeferralsPeriod" abstract="false" name="DebtInstrumentInterestDeferralsPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kmpr_IncomeTaxExpenseBenefitAttributableToParent" abstract="false" name="IncomeTaxExpenseBenefitAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kmpr_EffectiveIncomeTaxRateReconciliationPercentAttributableToParent" abstract="false" name="EffectiveIncomeTaxRateReconciliationPercentAttributableToParent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
