Fair, Isaac Underwriting Solution Delivers Fast Policies, Less Paper and Better Efficiencies for Kemper Insurance

    Business Editors



    SAN FRANCISCO--June 27, 2001--



         ClickPremium Implementation Provides Easy, Accurate,
              Real-Time Decision Support for 1,600 Agents


    With competition among insurance providers reaching break-neck
levels, Fair, Isaac and Company, Inc.  announced today at
its annual InterACT Conference that Kemper Insurance has tapped its
ClickPremium(TM) real-time underwriting solution to provide the
decision support Kemper needs to stay a jump ahead. The use of Fair,
Isaac's ClickPremium risk-based underwriting system will enable
Kemper's 1,600 agents to make more efficient, better-informed
underwriting decisions -- quickly and effectively.

    "ClickPremium gives Kemper the ability to overcome many of the
most critical issues facing insurance providers today," said Mark
Gorman, insurance market vice president for Fair, Isaac. "Among them
is the ability to improve loss ratios, increase customer satisfaction
and enhance the productivity of its agents by enabling them to focus
on high-priority areas."

    Kemper began a phased rollout of the real-time underwriting system
May 26th with new, personal auto policies in South Carolina and
Pennsylvania. Washington will be added by mid-summer. The remaining 47
states will be added incrementally, followed by a similar ClickPremium
implementation for homeowner policies.

    "With the world moving to real-time decisioning, we needed to have
a tool that would work in this environment and allow our agents to
write policies virtually, on-the-spot," explained Thom McDaniels, the
senior vice president at Kemper who oversaw this project. "And if you
believe in real-time decisioning," he said, "then you have to believe
in real-time analysis. That was the key difference between Fair, Isaac
and other companies. The level of analytic technical expertise that
the Fair, Isaac staff brought to this project was truly spectacular,"
McDaniels said.

    Fair, Isaac took a very innovative approach to the Kemper
assignment -- pulling together a dedicated implementation team to
address the very specific needs, issues and opportunities that Kemper
had identified. Working in close collaboration with Kemper Insurance's
internal project team, Fair, Isaac customized Kemper's ClickPremium
solution, fully integrating it with their internal network. According
to McDaniels, the approach exceeded even his expectations in
delivering the efficiencies and enhanced performance that everyone set
out to achieve less than six months ago.

    First introduced last year, ClickPremium is available in either an
end-user or netsourced (ASP) mode. It gives insurers the ability to
automatically quote, underwrite and bind policies by pulling external
information needed to make a decision, from insurance bureau scores to
motor vehicle reports to loss information. Companies can use
ClickPremium to set and change underwriting rules, determine when to
route policies for further review, establish tiers of risk and
acceptance, and even generate guidelines for cross-selling. Because
decisions are made at a single source, an insurer's offers are
consistent across all delivery channels -- agent, customer service
representative or Web site. This centralized "e-decisioning" enables
rapid response and follow-through, strengthening an insurer's service
and improving customer relationship management.

    For over 10 years, Fair, Isaac has offered risk and marketing
solutions to the insurance industry. Today, Fair, Isaac solutions are
behind underwriting, policy renewal and marketing decisions for
hundreds of insurers, including 80 percent of the top U.S. personal
line insurers.



    About Fair, Isaac



    Fair, Isaac and Company (www.fairisaac.com) is a global provider
of customer analytics and decision technology. Widely recognized for
its pioneering work in credit scoring, Fair, Isaac revolutionized the
way lending decisions are made. Today the company helps clients in
multiple industries increase the value of customer relationships.
Fair, Isaac has made the Forbes list of the top 200 U.S. small
companies eight times in the last nine years. Headquartered in San
Rafael, California, Fair, Isaac reported revenues of $298 million in
fiscal 2000.



    About Kemper Insurance



    Kemper is a leading provider of property/casualty insurance and
risk management services with 2000 revenues totaling approximately
$4.8 billion and assets of $9.4 billion. Headquartered in Long Grove,
Ill., Kemper operates nationwide and in many foreign markets. The
Kemper Insurance Companies are "A" rated by A.M. Best, Standard &
Poor's and Moody's. For more information about Kemper, visit
http://www.kemperinsurance.com.



    Note to Editors: Fair, Isaac and ClickPremium are trademarks or
registered trademarks of Fair, Isaac and Company, Inc., in the United
States and/or in other countries. Other product and company names
herein may be the trademarks or registered trademarks of their
respective owners.



	   --30--kwp/sf*

	   CONTACT: Fair, Isaac
	            Debbie McGowan, 415/492-5309 (Investors & Analysts)
	            dmcgowan@fairisaac.com
	               or
	            Angela Carlson, 415/492-5373 (Media)
	            acarlson@fairisaac.com