Unitrin is a $3 billion financial services company providing a diverse array of insurance and consumer finance products and services for individuals, families, and small businesses.

Our portfolio of the right products with the right service helps us be the right choice for our shareholders too.

Among the brands in Unitrin's Property and Casualty Insurance business are Kemper*, Unitrin Specialty, and Unitrin Business Insurance, which sell personal and commercial insurance through a network of independent agents, and Unitrin Direct, which sells auto insurance directly to consumers. Unitrin's Life and Health businesses bring a high level of personalized service to their customers. Unitrin's Consumer Finance subsidiary, Fireside Bank, specializes in automobile loans for the purchase of pre-owned vehicles.

Unitrin is one of the nation's leading financial services providers. The Unitrin family of companies specializes in property and casualty insurance, life and health insurance, and consumer finance for individuals, families, and small businesses.

Among the brands in Unitrin's Property and Casualty Insurance business are Kemper*, Unitrin Specialty, and Unitrin Business Insurance, which sell personal and commercial insurance through a network of independent agents. In addition, Unitrin Direct sells auto insurance directly to consumers. Unitrin's Life and Health insurance businesses bring a high level of personalized service to our customers. Fireside Bank finances pre-owned automobiles through the purchase of retail installment contracts from automobile dealers. We think that you should know that:

• We are a $3 billion financial services company with more than 6 million policies in force and $2.5 billion in annual premium revenues.
• Unitrin is a proud family of companies, employing over 8,000 associates and with over $9 billion in assets.
• We have more than 146,000 contracts and loans outstanding totaling in excess of $1 billion in consumer finance receivables.
  

Company Highlights

Unitrin Property & Casualty Insurance

The Property and Casualty Insurance Group is made up of Kemper, Unitrin Specialty, and Unitrin Business Insurance, which sell personal and commercial insurance through a network of independent agents; and Unitrin Direct, which sells personal auto insurance directly to consumers. This group represents 73% of Unitrin's $2.5 billion of annual insurance premiums.

Unitrin Life & Health Insurance

Unitrin's Life and Health Insurance Group offers life, health, and accident insurance to customers through a national network of 2,400 company-employed career agents and 250 independent agents.

Unitrin Life & Health brings a high level of personalized service to our customers, producing predictable revenue streams that enhance Unitrin's financial flexibility and balance sheet strength.

Organizational Strengths

Unitrin is led by a seasoned management team that values ethical behavior and no-nonsense business results.

• Our separate businesses together make Unitrin one of the nation's leading financial service providers.
• Unitrin's operating companies have a great degree of autonomy, enabling them to focus on customer needs and act nimbly in the marketplace. This structure fosters agility and fast response, and distinguishes Unitrin from larger competitors.
• The breadth and geographic diversity of our businesses complement one another and temper the impact of fluctuations in interest rates and economic cycles.

Code of Business Conduct and Ethics

Unitrin is a straightforward company that strives to be upfront and honest in all our business and other dealings.

At Unitrin, we recognize that the manner in which we conduct our business, and the perception of such conduct by our customers, shareholders, and the general public, is of paramount importance to the long-term success of our organization.