All applicants are individually underwritten and some may not qualify. Certain coverages, discounts, on-line quotes and payment options are not available in all states or in all Unitrin Direct companies.

Unitrin Direct preferred insurance coverage is underwritten by companies in the Unitrin Direct family of insurance companies. In certain states, and for certain coverages, insurance may be provided by non-affiliated companies. Unitrin Direct insurance companies are part of the Kemper Corporation family of companies which has over 6 million policy holders and over $8B in assets. As of 2010, The Kemper Property & Casualty Group was rated "A-" Excellent by A.M. Best and had $2.8B in admitted assets, $1.9B in liabilities and required reserves, $0.9B in surplus. A.M. Best's ratings reflect current opinion of a company's financial condition, subject to change, and are not a warranty of any company's ability to meet its obligations.

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