Insurance Journal  Apr 30  Comment 
Insurance Commissioner Mike Kreidler in March disciplined and issued fines totaling $24,250 against insurance companies, agents and brokers who violated state insurance regulations. Insurance companies Unitrin Auto and Home Insurance Co.,...
Insurance Journal  Apr 9  Comment 
Kemper Corp. has changed the name of its Unitrin Specialty business to Kemper Specialty, effective April 9, 2012. The next step will be to rebrand the Unitrin Direct business in the near future, the company said. “This announcement demonstrates...
Insurance Journal  Dec 1  Comment 
WIAA Insurance Services has added Unitrin Specialty to its roster of carriers. This provides the wholesale agency’s subproducers a new market for nonstandard auto in California. This is a direct appointment. Unitrin is one of the largest...
Insurance Journal  Aug 17  Comment 
Unitrin Inc. is counting on added success as it takes on a new name — the well-known and legendary Kemper name — for the future of the company. Effective Aug. 25, Unitrin Inc. will officially become Kemper Corp. and Don …
Insurance Journal  Aug 15  Comment 
A legendary insurance company name is back in the headlines after a nearly 10 year hiatus. Unitrin Inc. has taken the Kemper name, and effective Aug. 25 Unitrin will officially operate as Kemper Corp. with trading on the New York …
Forbes  Aug 8  Comment 
According to Dividend Channel, on 8/10/11, Unitrin, Inc. (UTR) will trade ex-dividend, for its quarterly dividend of $0.24, payable on 8/26/11. As a percentage of UTR's recent stock price of $24.95, this dividend works out to approximately 0.96%.
StreetInsider.com  Aug 3  Comment 
Visit StreetInsider.com at http://www.streetinsider.com/Earnings/Unitrin%2C+Inc.+%28UTR%29+Reports+Q2+EPS+Loss+of+%240.03%2C+Revenues+Tops+Expectations/6683535.html for the full story.
StreetInsider.com  Aug 3  Comment 
Visit StreetInsider.com at http://www.streetinsider.com/Dividends/Unitrin%2C+Inc.+%28UTR%29+Declares+%240.24+Quarterly+Dividend%3B+3.5%25+Yield/6682295.html for the full story.
Insurance Journal  May 18  Comment 
Unitrin Inc., headquartered in Chicago, announced that pret-tax catastrophe losses due to several, severe tornados and other storms during April would likely come in at an estimated $65 million and $75 million. The company said amounts recoverable...
Insurance Journal  Nov 4  Comment 
Chicago-based Unitrin Inc. announced that its board of directors has elected Dennis R. Vigneau as Unitrin's senior vice president and chief financial officer. Vigneau is a seasoned executive in ...


Unitrin is a diversified Insurance company that provides insurance products for individuals and small businesses; primarily life, health, automobile, and homeowners policies. The company offers insurance across 48 states and the District of Colombia.[1]

Business Growth

For 2010 the company reported net income of $184.6 million, an increase of 12.1% as compared to 2009. The rise in income was due largely to improvement in the company's Direct and Fireside Bank segments and higher net gains on sales of investments. Additionally, the company reported catastrophe losses from continuing operations of $78.1 million.[1]

Trends and Forces

Accuracy of risk models

As with any insurance company, risk modeling is a primary factor in UTR’s performance. Since the level of risk determines insurance premiums, insurers consider every available quantifiable factor to develop profiles of high and low insurance risk. Due to the impracticability of determining insurance on a case-by-case basis, this general profile of high and low insurance risk is applied in the form of an algorithm to sort all clients between the two categories. Just like other algorithms that are used to simplify complex systems, insurance models suffer from a lack of scope. Situations that would have a large impact on risk, but are nearly impossible to predict (natural disasters, terrorist attacks, etc…) can create difficulties in determining an appropriate premium. However, in more conventional situations, the profit or loss of insurance companies is determined by their accuracy in sorting high-risk clients from low-risk ones.

Impact of government regulation risk

Insurance companies in the United States are regulated primarily by the individual states as there is no nationwide federal regulatory agency that oversees insurance companies. Insurance companies are required to meet certain financial requirements and to demonstrate periodically (at least annually) to a state's Department of Insurance that they continue to meet or exceed the minimum financial requirements. The Department of Insurance can take various actions against an insurance company that fails to conduct its business in a financially sound manner, including causing the company to cease operations in the state.


In the insurance industry there are three main determinants of profitability: premiums collected, investment performance, and losses incurred. Increasing the amount of premiums collected equals higher revenue. This revenue can then be invested, hopefully at a profit. Each year the company has to pay claims against the premiums that it has collected. The fewer payouts a firm has in a given year, the more money remains for investment. Ironically, in some years the payouts are greater than premiums received, and the firm has to rely on its investments for profitability.

Some of UTR’s competitors include:


  1. 1.0 1.1 UNITRIN 2011 10k
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