Unitrin Insurance Brands

The Unitrin Family of Brands
For You, Your Family, or Your Business

		Kemper®* provides personal automobile, homeowners, inland marine, boat owners, dwelling fire and personal umbrella insurance to preferred and standard-risk customers. Kemper's premier product, the Package Plus, is a combined automobile and homeowners insurance policy that provides the convenience of one transaction and billing process to fulfill individual insurance needs. Kemper operates in approximately 40 states and has over 2,500 independent agents as its sales force.

		* Unitrin uses the registered trademark "Kemper" under license, for personal lines insurance only, from Lumbermens Mutual Casualty Company, which is not affiliated with Unitrin. Lumbermens continues to use the name, "Kemper Insurance Companies", in connection with its operations, which are distinct from, and not to be confused with, Unitrin's Kemper business segment.

		Unitrin Specialty provides personal and commercial, nonstandard automobile insurance to individuals and businesses through more than 8,000 independent agents/brokers in 24 states. Unitrin Specialty has over 700 employees in three offices (Dallas, Texas; Woodland Hills, California; and Salem, Oregon) and is committed to becoming the friendly, people-focused automobile insurance company, while growing profitably through strong relationships with our agents. Unitrin Specialty's primary emphasis is on becoming the most valued non-standard automobile insurance company in the independent agent market.

		Unitrin Direct markets auto insurance primarily through direct mail, Web insurance portals, "click- throughs," its own Web site and television advertising. In addition, Merastar Insurance Company specializes in the sale of personal automobile and homeowners insurance through employer-sponsored voluntary benefit programs. The Unitrin Direct segment actively sells auto insurance in every state in the U.S. with the exception of Alaska, Hawaii and Massachusetts. Unitrin Direct writes a broad spectrum of personal auto insurance risks ranging from preferred to non-standard private passenger auto customers. Unitrin Direct also offers homeowners and renters insurance across 48 states. The overall business strategy of Unitrin Direct places great emphasis on competitive pricing and quality customer service. Unitrin Direct's insurance products accounted for approximately 14% of the aggregate insurance premium revenues of Unitrin's property and casualty insurance business in 2007.

		Unitrin Business Insurance, our business unit formed at the beginning of 2005, services commercial customers in 30 states, with a geographic emphasis in the south, northwest, and midwest. Unitrin Business Insurance is a Dallas-based unit primarily selling commercial automobile, general liability, commercial fire, commercial multi-peril and workers compensation insurance. Products are marketed by over 1,000 independent insurance agencies. These commercial products are designed and priced for those businesses that have demonstrated favorable risk characteristics and loss history.

		The Career Agency Companies, United Insurance, Union National, and Reliable Life, employ a field force of nearly 2,100 career agents in 25 states. Our family of career agents provide service to customers in their homes and offer personalized, affordable insurance products developed for individuals and families with household incomes of less than $25,000. The St. Louis-based home office staff of over 400 supports the efforts of the agents and field management.

		Reserve National is our Oklahoma City-based independent agency company that distributes its products in 31 states through a network of approximately 230 exclusive independent agents and provides accident and health insurance coverages to individuals and small business owners primarily in rural areas with limited access to the benefits plans of larger markets. Reserve National offers products such as scheduled benefit hospitalization and surgical plans, critical illness, home health care, first-occurrence cancer and heart-attack policies and Medicare supplement insurance.