Privacy Policy

Last updated: June 6, 2003

Kemper is dedicated to maintaining the trust or our policyholders and others with whom we do business. This Privacy Notice will provide you with our practices and policies with respect to the handling of personal information and compliance with privacy laws.

Why Kemper Collects and Discloses Personal Information

Kemper collects and discloses personal information only for the purpose of serving the insurance related needs of its customers (current and former policyholders and insureds). These needs include evaluating, providing policy related or administrative services, including compliance with regulatory requirements, claims investigation, adjustment and coverage assessment. Kemper may also collect and disclose personal information about third parties with respect to claims made against customers.

Types of Nonpublic Personal Information Kemper Collects

Information that may be collected includes, but is not limited to, an individual’s name, address, telephone number, social security number, motor vehicle reports, policy number, premium and payment history, medical history and credit reports. We may also collect information from claimants including his or her name, address, telephone number, social security number, claim number, date of loss, type of loss, cause of loss, and the value of a claim.

We may initiate the collection of certain nonpublic personal information when administering or servicing an insurance policy, or in the handling of a claim. The information may be collected from sources such as our affiliates, independent insurance agents or brokers, policyholders, claimants or other third party sources. Examples of these third party sources may be witnesses to incidents, or persons retained by us or by the claimant in the process of servicing a policy or handling (ie: physicians, attorneys, accountants or appraisers).

We may also collect nonpublic personal information when you use our corporate web sites. Information is obtained through online collecting devices known as “cookies.” Cookies are sets of information that our web server assigns to your hard drive for recording purposes when you visit our web site. Kemper may place an electronic “cookie” in the browser files of a visitor’s computer. Cookies do not enable us to access any personal information about our visitors. Cookies do allow us to analyze guests’ use of our sites. The purpose of this analysis is for us to learn which areas of our sites are most popular and useful so we can plan reviews, improvements and updates accordingly. These cookies do not gather any other personal information from you or your computer.

Disclosure of Nonpublic Personal Information

Nonpublic personal information may be shared with affiliated and nonaffiliated third parties in order to administer or service an insurance policy or a claim, and as otherwise permitted or required by law. Our affiliates include insurance companies, third party administrators performing services on our behalf, investment companies, brokers/agents and other providers of financial products and services. Unaffiliated third parties include, but are not limited to, an independent insurance agent or broker, the policyholder, persons or organizations retained to assist in the claim process or in the administration of policies (ie: medical providers, appraisers), reinsurers, and others as permitted or required by law.

Usage of Nonpublic Personal Information

We use nonpublic personal information to administer or service a policy, administer a claim, bill charges, or as otherwise permitted by law. Nonaffiliated third parties having access to our nonpublic personal information are prohibited from using such information for any marketing purposes except as permitted by law. Nonaffiliated third parties may use such information only to perform their obligations to us, or one of our policyholders, claimants, or as otherwise permitted by law. Nonaffiliated third parties are prohibited from disclosing any nonpublic personal information to any other party.

Kemper’s Security of Nonpublic Personal Information

Personal information recorded in documents is securely stored at Kemper’s offices and at the offices of its affiliated companies. We control access to nonpublic personal information to those who need access to service our policyholders and to others as permitted or required by law. We maintain physical, electronic and procedural safeguards to better protect the information under our control. Kemper employees, contractors and representatives are under obligation to access personal information only when they have a legitimate business need to do so.

Internet Privacy Policy

Kemper’s Privacy Policy with respect to the use of our websites is posted on those sites. Please refer to “Kemper’s Internet Privacy Policy.”

Amendments

Kemper may amend this policy from time to time at its discretion. A current version of the Privacy Policy is always available on Kemper’s main website under “Kemper’s Privacy Policy.”

Further Information

If you have any questions about this privacy policy, please contact us by clicking on “Customer Relations.”