Years before joining Kemper, CEO Joseph Lacher served as the leader of the P/C business of Allstate, a company that bought Esurance to introduce a more direct-to-customer model to the carrier’s distribution platform. Carrier Management couldn’t help but wonder whether moving back to a direct model for P/C business is something he might contemplate for Kemper in the future.

“I don’t see the world needing another direct-to-consumer personal lines auto player,” he said. “We don’t have the scale. We’re behind in that process. Starting that de novo, or with what we’ve got now, would be a silly endeavor. I don’t see us engaging in that.