2013 Corporate Social Responsibilty Report
A Passion for Individuals, Families and Communities, Today and Tomorrow
Form 7103
Our success as a company depends on our ability to help people protect what is important to them, and on our efforts to effect positive change in our communities. Each year Kemper Home Service Companies strives to make a positive difference in people’s lives by providing affordable insurance coverage to modest income individuals and families. This is not just our mission, but it’s our passion. This is our commitment to our customers, employees and shareholders as a responsible corporate citizen. It is our promise to our communities, to help them grow and prosper. In 2013, we supported over 200 local organizations and provided over $140,000 in scholarships to students. Helping our customers protect who and what they love, prepare for life’s uncertainties, through building personal relationships. This is our role in improving the lives of those around us.
A message from Ed Konar, President, Kemper Home Service Companies
Home Service not only means we provide personalized service to our customers in their homes; it means we are active in our communities. We help our communities.
We give time and financial resources to local charities in and around the communities where we live and work. Since we began the program, KemperCares has helped nearly 2,500 community based organizations. We have donated almost 1.4 million dollars and volunteered over 50,000 hours to charitable organizations in the communities where we live and work. Last year alone we contributed financial support and volunteer hours to 210 local community based organizations! The Kemper Home Service Companies, however, focuses on two major areas as we serve others. One is community involvement. It is the nature of the home service business to be involved in our communities as we build strong personal relationships with our policy holders. The second focus in education. We recognize the importance of education and understand that today’s youth will become tomorrow’s leaders, teachers, researchers, doctors and business professionals. Investment in education is an investment in our future, which is why we provide scholarships and assistance for
the children and grandchildren of our policy holders. The bottom line is, we give back! We give back to our local communities, neighborhoods, and policyholder’s in a way few other companies do. Throughout this report, you will see numerous examples and testimonials of how the employees of the Kemper Home Service Companies serve their communities around the country. These are just a small sampling, but I hope it shows you how involved we really are. We are all very proud of our work and accomplishments in our local communities, and we look forward to serving the places where our policy holders live and work now and in the years to come.
Ed Konar President, Kemper Home Service Companies 2013 Corporate Social Responsibility Report l 01 - 02
WHO WE ARE
Insuring our communities, investing in our future The Kemper Home Service Companies consist of United Insurance Company of America, The Reliable Life Insurance Company, Union National Life Insurance Company, Mutual Savings Life Insurance Company and their affiliated fire companies. Together, they form the largest part of the Life and Health Group of Kemper Corporation. As a group, the Kemper Home Service Companies comprises one of the top 100 life insurance companies in the United States. Employing a field force of over 3,200 people in 25 states and the District of Columbia, the Kemper Home Service Companies provide personalized service to customers in their homes and offer tailored, affordable insurance products for individuals and families in the lower and moderate income market. A Home Office team of nearly 400 associates, located in St. Louis, Missouri, supports the efforts of this field force. With over 4.5 million policies and 35 billion dollars of insurance in force, the Kemper Home Service Companies represent one of the largest and most successful home service insurance organizations in the United States. We are committed to our customers, community and employees and are proud to be a leader in the insurance industry.
Employing a field force of over 3,100 people in 25 states and the District of Columbia, the Kemper Home Service Companies provide personalized service to customers in their homes and offer tailored, affordable insurance products for individuals and families in the lower and moderate income market. An administrative office team of 400 associates, located in St. Louis, Missouri, supports the efforts of this field force. With over 4.9 million policies and 37.5 billion dollars of insurance in force, the Kemper Home Service Companies represent one of the largest and most successful home service insurance organizations in the United States. We are committed to our customers, community and employees and are proud to be a leader in the insurance industry.
Trust Trust is one of our core values, and it is a critical part of everything we do. Trust is the one thing that can build or destroy every human relationship. The lack of trust will bring down the most powerful countries, bankrupt the most profitable companies, and destroy the happiest of marriages. However, trust can also produce the most successful companies and strongest of personal relationships. By striving to be the best in the home service business, doing what we say we will do, and being who we say we will be, we have become the most successful home service insurance business in the United States. We believe in being simple and straightforward, showing respect and loyalty to our employees and customers, and always working to get better, and staying focused on delivering results. Our Mission We help people protect what they love the most— their loved ones and their possessions—and help them to prepare for life’s uncertainties by offering affordable insurance coverage through personal home service relationships. Our Values Our goal is to create superior customer and shareholder value as the premier home service company in the insurance industry. We strive to accomplish this goal by operating in accordance with the highest ethical and moral standards.We live by the golden rule, by treating others like we would want to be treated. Our customers are our highest priority, along with our employees and our shareholders.
2013 Corporate Social Responsibility Report l 03 - 04
WHERE WE ARE
Company and Region Locations UIC Region 4 Dynasty, MI Lincoln, MI Englewood, IL Northwest, IL North Shore, IL Wabash, IL Toledo, OH Cleveland, OH Milwaukee, WI
Region 5 Indianapolis, IN Cincinnati, OH Jackson, TN
Region 7 San Pablo, CA Sacramento, CA Bel-Air, CA San Bernardino, CA Garden Grove, CA Los Angeles, CA
Region 10 Washington D.C. Delmarva, MD Camden Yards, MD Harbor, MD William Penn, PA Harrisburg, PA Three Rivers, PA Tidewater, VA
REL
UNL
Region 7
Region 22
Oklahoma City, OK
Houston, TX Houston, TX Houston, TX
Region 9 Austin, TX Corpus Christi, TX Harlingen, TX Lubbock, TX McAllen, TX Independence, MO San Antonio, TX San Antonio, TX
Sherman, TX
Region 32 Nacogdoches, TX
Region 22 Shreveport, LA Monroe, LA Alexandria, LA Hammond, LA Lafayette, LA
Richmond, VA Lynchburg, VA Meadowlands, NJ
Region 21 Charleston, SC Columbia, SC Florence, SC Upstate, SC Rocky Mount, NC Raleigh/Durham, NC Washington, NC Wilmington, NC Lumberton, NC
Region 27 Stone Mountain, GA Meridian, MS Hattiesburg, MS
Region 32 Baton Rouge, LA Lake Charles, LA New Iberia, LA Thibodaux, LA Gretna, LA Natchez, MS Tupelo, MS Jackson, MS Greenwood, MS
Cascade, GA Macon, GA Savannah, GA Jacksonville, FL Tallahassee, FL Tampa, FL Miami, FL Orlando, FL W. Palm Beach, FL Augusta, GA
REL Region 5 El Dorado, AR Forrest City, AR Sikeston, MO
MSL Region 34 Jasper, AL Decatur, AL Florence, AL Gadsden, AL Talladega, AL Montgomery, AL Dothan, AL Demopolis, AL Mobile, AL Selma, AL Birmingham, AL
Little Rock, AR St. Louis, MO St. Louis, MO Longview, TX Texarkana, TX
Region 6 Beaumont, TX Galveston, TX Navasota, TX Dallas, TX Fort Worth, TX Tyler, TX
Cleveland, OH St. Louis, MO
Jacksonville, FL Oklahoma City, OK Birmingham, AL Shreveport, LA
McAllen, TX Alexandria, LA
2013 Corporate Social Responsibility Report l 05 - 06
EDUCATION
Improving the lives of individuals, families and communities, for today and tomorrow
The Kemper Home Service Companies recognize the importance of education and know that today’s youth are tomorrow’s leaders. We strive to help our communities grow, and we know that education is the foundation for better communities. We are proud to sponsor two scholarship programs for the children and grandchildren of our policyholders. Congratulations to all of scholarship recipients to date, and we look forward to helping more young people realize the dream.
Step Up For Students Step Up For Students is the nonprofit organization responsible for administering the Florida Tax Credit Scholarship program. The scholarship program is available to students who qualify for a free or reduced-price lunch and provides tuition assistance to the private school of their parents’ choice or transportation help to an out-of-district public school. Kemper Home Service Companies first partnered with Step Up in 2012, and we continued our partnership in 2013 by contributing $100,000 to the scholarship program. Thus far, we have provided 42 scholarships for low-income Florida students. 2013 Corporate Social Responsibility Report l 07 - 08
United Negro College Fund In conjunction with the United Negro College Fund, The Kemper Home Service Companies have established a scholarship program for college-bound high school students of our policyholders. Through the Kemper Home Service Companies, the UNCF scholarship program has awarded 102 scholarships to college bound students of our policyholders totaling $510,000. Qualifying students of our policyholders must either attend or plan to attend either a UNCF institution or a Historically Black College or University (HBCU).The funding of the scholarship program is provided by a combination of employee contributions and corporate gifts.
SCHOLARSHIP SPOTLIGHTS Thanks to your generous efforts, I am able to be successful throughout my matriculation in college while focusing more on academics and less on financial aid. Without scholarship patrons like you, many students such as myself would not be as successful and would be unable to pursue their destined careers. Ya’Shika Solomon
I would like to say thank you so much for helping my college dreams come true. This specific scholarship has encouraged me to continue completing college and to continue to do well in school.
Words alone cannot express my sincere gratitude and gratefulness. Fortunately, I was awarded the United Insurance Scholarship in the amount of $5000.00. This scholarship will allow me to decrease my tuition bill and pay for books that are required. As a donor, you have demonstrated to me that you are concerned about my future, and for that I thank you.
There are no words to express how grateful I am to have received this scholarship. Thank you so much for considering and giving me this wonderful blessing.
Succeeding in my future allows me to establish an example for my three younger siblings that consider me their role model. Once again, I humbly thank you.
Vanecia Booker
Michael Hollingsworth
Hispanic Scholarship Program The Reliable Life Insurance Company has established a scholarship program benefitting students of Hispanic heritage. Each year since 2003, The Reliable Life Insurance Company has awarded a total of $35,000 in scholarships to college-bound high school students of our policyholders.
2013 Corporate Social Responsibility Report l 09 - 10
COMMUNITY SUPPORT
Creating a more promising tomorrow for communities everywhere
The Kemper Home Service Companies’ commitment to improving local communities is central to our shared vision of bringing out the good in people’s lives. After all, our communities are where we live and work, so we make every effort to help make them better places. People all across the company, from our district offices to our Home Office, from the executive staff to our field agents, are involved in our communities. Our engagement with our communities is an integral part of how we lead and who we are as a company. And, while we understand the power of our contributions, we know our ultimate strength lies in the personal and individual efforts of all of us who aspire to become champions for positive change. From Kemper Home Service employees who donate and volunteer, to organizations that align with our mission, to all the people we’ve helped who pay it forward—together, we are inspiring change and changing lives.
Sharing our talents to help others
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KemperCares KemperCares provides a financial contribution to each participating district office for use in supporting a local community service program, charity or project of the district’s choosing. Several Home Office teams also participated in the St. Louis area. One of the few guidelines in choosing an organization is that the organization or activity chosen must provide a service or assistance to persons considered part of our customer base. The group chosen must provide evidence of being a 501c(3) (tax exempt) organization and actively involved in the community. The district’s gift must be used for a specific
program activity, and not for salaries or fringe benefits. In addition to providing this financial support the district must perform a minimum of 20 hours of volunteer service in the community in which they are making the donation. Throughout the years, KemperCares has assisted over 2500 organizations and has donated over $1,350,000 back into the communities in which employees and policyholders of the Kemper Home Service Companies live and work.
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“So far this year, we have served 10,835 meals to our community and United Insurance Company of America has contributed greatly to continue to make this possible.” Karen Yates Executive Director
“A few years ago we donated to the Red River Football League that is a youth football league for ages 6-12. Several times I had parents come up to me who had Union National as their Insurance Company and they really appreciated the fact that we were out there actually working during their games and also the fact that we donated money for something their children were a part of.”
“All the organizations we have worked with over the years provide something needed to the communities we work, but I find myself looking forward to this event each year as do the agents and managers that help due to the exuberance in the children and twinkle it put in their eyes.” Todd Jeffrey District Manager Dallas 33
Karen Yates Executive Director
THANK YOU FOR ALL YOU DO!
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Casual for a Cause A popular initiative this year in our Home Office in St. Louis was our Casual for a Cause program, in which employees could purchase casual jeans Thursdays for $1 per day on a weekly, monthly or annual basis. Our Home Office raised over $8,000, which was used to adopt 60 children of all ages from the St. Louis Crisis Nursery during the holiday season to provide them with and their families with gifts and needed items. Casual for a Cause was a huge success, and we are continuing the program again in 2014.
United Way Every year the Kemper Home Service Companies partner with the United Way and conduct campaign drives within the companies. Home Office and field employees are encouraged to participate in this worthy cause through various donations. The Kemper Home Service Companies is proud to support the United Way through employee donations and company matching contributions. Support your local United Way chapter by visiting www.unitedway.org.
2013 Corporate Social Responsibility Report l 17 - 18
2013 Contribution Recipients (in alphabetical order) Ahead of the Class Education Services Alabama Foster and Adoptive Parents Association All Heart Tornados Wheel Chair Basketball Team American Cancer Society Americans Youth Inc. Angelic Services Outreach ARC of Iberia Asbury United Methodist Church Athens Technical College Foundation Inc Augusta Mini Theater Inc Avance Inc. Berta’s Safe Haven for Infants and Toddlers Bethel New Life Inc Big Brother and Big Sister Big Brothers & Big Sisters of Cleveland Billy Mitchell Boys and Girls Club Blackshear Neighborhood Development Corporation Boot Heel Youth Museum Boys & Girls Club of East Texas Inc. Boys & Girls Club of Ouachita County Boys and Girls Club of Deep East Texas Boys and Girls Club of Greater KC Boys and Girls Club of Gregg County Boys and Girls Club of Hopkins County Boys and Girls Club of Lumberton Boys and Girls Club of McAllen Boys and Girls Club of Nash Edgecombe Counties Inc Boys and Girls Club of New Albany
Boys and Girls Club of Paris Boys and Girls Club of Pasadena Boys and Girls Club of West Memphis Brazos Valley Food Bank Brotherhood of Men Mentor Group Inc Brothers and Sisters of Aiken County Bryan Habitat for Humanity Cans for Kids Career Gear Houston Caring Kitchen Carmel Health Network Central South Carolina Habitat for Humanity Change Inc Children’s Institute Inc Christian Outreach Alliance of Dallas County AL Christian Services Christians Reaching Out to Society Churches Active in Northside Civitan International Foundation Cleveland Urban Minority Alcoholism Outreach Columbus County Education Foundation Inc. Community Action of Greater Indianapolis Community Center of St. Bernard Community Renewal International Inc Corpus Christi State Supported Living Center Covenant House Florida Inc. Crisis Center of Wharton Daily Bread Inc
2013 Contribution Recipients (in alphabetical order) Delta Research Education and Development Center Detroit Association of Women’s Club Inc Eagles Wings Christian Love in Action East Texas Food Bank Easter Seals Alabama Edinburg Dance Theater Faith Crusades Ministries Faith Mission Outreach Faith to Grow Cross-cultural Outreach Families and Children Together Family Crisis Center Inc Family Outreach Multipurpose Community Center Family Resource Center of Northwest Alabama Favored With Hope First Light, Inc. Florence County Council on Aging Food Bank of Central LA Food Bank of Northwest Louisiana Food Bank of Southeastern VA Foreman-Reynaud YMCA Frederick Challenger Little League Friends of Africa Inc Georgia Community Action Association Gleaners Food Bank Good Samaritan Health Clinic Good Samaritans of Garland Inc Greater Cincinnati Police Athletic Association Habitat for Humanity of Baton Rouge
Habitat for Humanity of Jackson Habitat for Humanity of Lynchburg Habitat for Humanity of New Iberia Habitat for Humanity of Texarkana Habitat for Humanity of Thibodaux Habitat for Humanity of Wilmington Habitat for Humanity of Greensboro Hadley Sunshine Ranch Hale County Community Enrichment Society Inc Hands of Restoration Inc Harriet’s House Haven of Grace Heart 2 Heart Inc. Henrico Police Athletic League Herbert Hoover Boys and Girls Club of St. Louis Hospice of Laurens County HWB Youth And Family Services Inc Jamboree Housing with Heart Jefferson County Council on Alcohol and Drug Abuse Jeffries Street Learning Center Jesus is Lord Ministries Kiddy Karousel Inc King William Public School Education Foundation Leadership Through Athletics Inc Learning Excellence Achieving Program (LEAP) Lee Institute of Retail and Restaurant Management Lexington Colts Youth Sports Inc Lifeline Community Outreach Inc.
2013 Contribution Recipients (in alphabetical order) Little Willie Center Loaves and Fishes Longview Community Ministries Make a Wish Foundation Marion Council on Aging Maumee Valley Habitat for Humanity McComb Miracle League Inc Meals on Wheels of Metro Tulsa, Inc Metropolitan Ministries Midwest City YMCA Milwaukee Mental Health Associates Inc. Mothers for the Advancement of Social Systems Mutual Musicians Foundations National Society to Prevent Blindness Neighborhood Christian Center of Alabama, Inc. New Southwest Mt. Clare Community Association Northeast Sickle Cell Anemia Foundation of Monroe Oasis A Safe Haven for Survivors of Abuse Orland Rescue Mission Ouachita Multi-Purpose Community Action Program Our Daily Bread of Tangipahoa Palmetto Aids Life Support Service Phillip Community Association Police Protection Fund Positive Youth Enrichment Pregnancy Care Center Principals before Personalities Empowerment Center Rahab’s House
Regional Economic Empowerment of Middle Georgia Regional Inter-Faith Association Inc. Renaissance Parents of Success Riverside General Hospital Foundation INC Robert L Young Foundation for the Love of Children Robert L. Young Foundation: For the Children Russellville Dream Center Salvation Army of Tallahassee Salvation Army of Tupelo San Antonio Food Bank Inc. San Antonio Police Officers Association Benefit San Bernardo County Foster Parents Association Self Protection Awareness Senior Citizens Inc Shepherds Heart Ministry of Maryland Inc. Simone Foundation of Hope Smithridge Community Development Organization Soccer Booster Club Sonny Hill Community League South Montgomery Youth Basketball Association South Plains Food Bank Inc. Southern California Alcohol & Drug Program INC Special Olympics Harlandale IND St. Christopher’s Foundation for Children St. Joseph Dinner St. Landry Council on Aging St. Stephen Community House Stewpot Community Service
2013 Contribution Recipients (in alphabetical order) Stop Hunger Now Super Softball League Tallahassee Big Bend Habitat for Humanity Tejano Center for Community Concerns, Inc The ALS Association Texas Chapter The Anderson Mental Retardation Center Advisory The Beacon Center The Gretna Food Distribution Center Inc. The Hill House Association The Ministry at Green Spring The Morehouse School of Medicine Inc The Nehemiah Program The Progressive League of College Station, Inc. The Shepard Center of Central LA The Talladega County Child Advocacy The Village Group of Georgetown County The Volunteer Center of Morgan County Thirteenth Place Inc. Titus County Cares Troy Miracle League Truevine Community Outreach Union Rescue Mission Unlimited Potential Community Development Center Urban Promise USA Sanatan Sports & Cultural Association Vera Naumann Family Assistance Washington D.C. Police Foundation Welcome NJ
Wesley House Community Center West Broad Street YMCA Westmoreland Heights Neighborhood Association Wiregrass Hope Group Woman’s Protective Services of Lubbock, Inc Women’s Justice Center WOVEN (Women of Virtues Evangelizing Nations) YMCA of Tyler YMCA of Baton Rouge YMCA of Coosa Valley YMCA of Southeast Missouri Youth Opportunities Unlimited YWCA of Austin
3/2013