SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    F0RM 8-K

                            CURRENT REPORT PURSUANT
                         TO SECTION 13 OR 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

        Date of report (date of earliest event reported) June 10, 2003

                                 Unitrin, Inc.
             (Exact name of registrant as specified in its charter)

                                    Delaware
         (State or other jurisdiction of incorporation or organization)

One East Wacker Drive, Chicago, Illinois                   60601
(Address of principal executive offices)                (Zip Code)

         0-18298                                           95-4255452
(Commission File Number)                 (I.R.S. Employer Identification No.)

                                 (312) 661-4600
              (Registrant's telephone number, including area code)

                                 Not Applicable
         (Former name or former address, if changed since last report)



Item 5.  Other Events and Regulation FD Disclosure.

In its Quarterly Report on Form 10-Q for the quarter ended March 31, 2003, (the
"March 10-Q Report"), as well as earlier reports filed with the Securities and
Exchange Commission, Unitrin described its June 2002 acquisition of the
personal lines property and casualty insurance business of the Kemper Insurance
Companies ("KIC"), including the fact that Unitrin continues to rely on KIC to
write new policies and renew existing policies on Unitrin's behalf until
Unitrin's insurance subsidiaries have obtained all insurance regulatory
authorizations and have completed certain computer and data processing
modifications necessary to allow the migration of such policies to such
subsidiaries.

In its March 10-Q Report, Unitrin reported that A.M. Best Co., Inc., the
principal insurance company rating agency, had lowered its rating for KIC from
"A-" (excellent) to "B+" (very good) in December 2002, from "B+" to "B" (fair)
in March 2003 and from "B" to "C++" (Marginal) on May 1, 2003, with a negative
rating outlook. On June 10, 2003, A.M. Best announced that it has further
downgraded KIC from "C++" to "D" (Poor). A.M. Best attributed the downgrade to
KIC's "announcement that upon completion of the year-end 2002 independent
financial audit, Lumbermens Mutual Casualty Co., the lead company of the [KIC]
inter-company pool, expects its year-end 2002 statutory surplus - as reflected
in its annual statement - to be substantially lower than currently stated."
According to A.M. Best, KIC "management has indicated that if the adjustments
had been reflected in its year-end 2002 statutory filing of Lumbermens Mutual
Casualty Co., total risk-adjusted capital would fall within the Mandatory
Control Level of the risk-based capital calculation required by the Illinois
Department of Insurance."

As indicated in the March 10-Q Report, these ratings actions with respect to
KIC have no impact on Unitrin's property and casualty insurance subsidiaries'
"A" (excellent) rating from A.M. Best.

When an insurance company's risk-based capital falls within the Mandatory
Control Level, the Illinois Director of Insurance is mandated to place the
company in receivership proceedings or, in the case of a property and casualty
insurance company such as KIC, which has indicated that it "is no longer
writing new business and which is running off existing business," may allow the
run-off to proceed under the supervision of the Illinois Director of Insurance.
In such a run-off, KIC would only be able to write insurance coverage where
required by state law or contractual commitments, such as its contractual
commitment to write certain personal lines coverage on Unitrin's behalf. If KIC
were placed into receivership, KIC's ability to write additional coverage would
terminate regardless of existing contractual commitments. In addition, in a
receivership, the Illinois Department of Insurance could attempt to take the
further action of canceling policies written by KIC mid-term.

Unitrin is continuing the migration of the KIC personal lines business to
Unitrin's insurance subsidiaries as rapidly as possible to reduce its
dependence on KIC. Unitrin's licensing and computer and data processing efforts
to allow Unitrin's insurance subsidiaries to directly renew the KIC personal
lines business are substantially complete. Unitrin is also in the process of
developing the data processing capability to renew such business in bulk
mid-term, should the need to do so arise, in order to reduce the burden of such
an event on independent agents and policyholders. Unitrin expects to have this
data processing capability substantially completed by the end of the third
quarter. However, the vast majority of the KIC personal lines business has yet
to be renewed directly by Unitrin's subsidiaries, and the further ratings
downgrade and other developments with respect to KIC may adversely affect such
renewals and the amount of future premiums received by Unitrin from the KIC
personal lines business. While there can be no assurance that Unitrin's
insurance subsidiaries will be successful in retaining a substantial portion of
such business, Unitrin's experience thus far is that such renewals are being
retained at levels consistent with KIC's historical rates.

There can be no assurance as to the specific actions that the Illinois
Department of Insurance will take with respect to KIC or the ultimate effect
such actions may have on Unitrin.

This Report on Form 8-K contains forward-looking statements, which usually
include words such as "believe(s)," "goal(s)," "target(s)," "estimate(s),"
"anticipate(s)," "forecast(s)," "plan(s)," "intend(s)," "expect(s)," and
similar expressions. Readers are cautioned not to place undue reliance on such
statements, which speak only as of the date of this Report. Forward-looking
statements are subject to risks and uncertainties which could cause actual
results to differ materially from those contemplated in such statements. Such
risks and uncertainties include, but are not limited to, changes in economic
factors (such as interest rates, unemployment rates and stock market
fluctuations), changes in competitive conditions (including availability of
labor with required technical or other skills), the number and severity of
insurance claims (including those associated with catastrophe losses),
regulatory approval of certain insurance premium rates, policy terms, license
applications and similar matters, governmental actions (including new laws or
regulations or court decisions interpreting existing laws and regulations),
adverse judgments in litigation to which the Company or its subsidiaries are
parties, realization of the economies of scale, and the successful migration of
the KIC business. No assurances can be given that the results contemplated in
any forward-looking statements will be achieved or will be achieved in any
particular timetable. Unitrin assumes no obligation to release publicly any
revisions to any forward-looking statements as a result of events or
developments subsequent to the date of this Report.

                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                                 Unitrin, Inc.

Date:  June 13, 2003                             /s/ Eric J. Draut
                                                 Eric J. Draut
                                                 Executive Vice President and
                                                 Chief Financial Officer
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SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    F0RM 8-K

                            CURRENT REPORT PURSUANT
                         TO SECTION 13 OR 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

        Date of report (date of earliest event reported) June 10, 2003

                                 Unitrin, Inc.
             (Exact name of registrant as specified in its charter)

                                    Delaware
         (State or other jurisdiction of incorporation or organization)

One East Wacker Drive, Chicago, Illinois                   60601
(Address of principal executive offices)                (Zip Code)

         0-18298                                           95-4255452
(Commission File Number)                 (I.R.S. Employer Identification No.)

                                 (312) 661-4600
              (Registrant's telephone number, including area code)

                                 Not Applicable
         (Former name or former address, if changed since last report)

Item 5.  Other Events and Regulation FD Disclosure.

In its Quarterly Report on Form 10-Q for the quarter ended March 31, 2003, (the
"March 10-Q Report"), as well as earlier reports filed with the Securities and
Exchange Commission, Unitrin described its June 2002 acquisition of the
personal lines property and casualty insurance business of the Kemper Insurance
Companies ("KIC"), including the fact that Unitrin continues to rely on KIC to
write new policies and renew existing policies on Unitrin's behalf until
Unitrin's insurance subsidiaries have obtained all insurance regulatory
authorizations and have completed certain computer and data processing
modifications necessary to allow the migration of such policies to such
subsidiaries.

In its March 10-Q Report, Unitrin reported that A.M. Best Co., Inc., the
principal insurance company rating agency, had lowered its rating for KIC from
"A-" (excellent) to "B+" (very good) in December 2002, from "B+" to "B" (fair)
in March 2003 and from "B" to "C++" (Marginal) on May 1, 2003, with a negative
rating outlook. On June 10, 2003, A.M. Best announced that it has further
downgraded KIC from "C++" to "D" (Poor). A.M. Best attributed the downgrade to
KIC's "announcement that upon completion of the year-end 2002 independent
financial audit, Lumbermens Mutual Casualty Co., the lead company of the [KIC]
inter-company pool, expects its year-end 2002 statutory surplus - as reflected
in its annual statement - to be substantially lower than currently stated."
According to A.M. Best, KIC "management has indicated that if the adjustments
had been reflected in its year-end 2002 statutory filing of Lumbermens Mutual
Casualty Co., total risk-adjusted capital would fall within the Mandatory
Control Level of the risk-based capital calculation required by the Illinois
Department of Insurance."

As indicated in the March 10-Q Report, these ratings actions with respect to
KIC have no impact on Unitrin's property and casualty insurance subsidiaries'
"A" (excellent) rating from A.M. Best.

When an insurance company's risk-based capital falls within the Mandatory
Control Level, the Illinois Director of Insurance is mandated to place the
company in receivership proceedings or, in the case of a property and casualty
insurance company such as KIC, which has indicated that it "is no longer
writing new business and which is running off existing business," may allow the
run-off to proceed under the supervision of the Illinois Director of Insurance.
In such a run-off, KIC would only be able to write insurance coverage where
required by state law or contractual commitments, such as its contractual
commitment to write certain personal lines coverage on Unitrin's behalf. If KIC
were placed into receivership, KIC's ability to write additional coverage would
terminate regardless of existing contractual commitments. In addition, in a
receivership, the Illinois Department of Insurance could attempt to take the
further action of canceling policies written by KIC mid-term.

Unitrin is continuing the migration of the KIC personal lines business to
Unitrin's insurance subsidiaries as rapidly as possible to reduce its
dependence on KIC. Unitrin's licensing and computer and data processing efforts
to allow Unitrin's insurance subsidiaries to directly renew the KIC personal
lines business are substantially complete. Unitrin is also in the process of
developing the data processing capability to renew such business in bulk
mid-term, should the need to do so arise, in order to reduce the burden of such
an event on independent agents and policyholders. Unitrin expects to have this
data processing capability substantially completed by the end of the third
quarter. However, the vast majority of the KIC personal lines business has yet
to be renewed directly by Unitrin's subsidiaries, and the further ratings
downgrade and other developments with respect to KIC may adversely affect such
renewals and the amount of future premiums received by Unitrin from the KIC
personal lines business. While there can be no assurance that Unitrin's
insurance subsidiaries will be successful in retaining a substantial portion of
such business, Unitrin's experience thus far is that such renewals are being
retained at levels consistent with KIC's historical rates.

There can be no assurance as to the specific actions that the Illinois
Department of Insurance will take with respect to KIC or the ultimate effect
such actions may have on Unitrin.

This Report on Form 8-K contains forward-looking statements, which usually
include words such as "believe(s)," "goal(s)," "target(s)," "estimate(s),"
"anticipate(s)," "forecast(s)," "plan(s)," "intend(s)," "expect(s)," and
similar expressions. Readers are cautioned not to place undue reliance on such
statements, which speak only as of the date of this Report. Forward-looking
statements are subject to risks and uncertainties which could cause actual
results to differ materially from those contemplated in such statements. Such
risks and uncertainties include, but are not limited to, changes in economic
factors (such as interest rates, unemployment rates and stock market
fluctuations), changes in competitive conditions (including availability of
labor with required technical or other skills), the number and severity of
insurance claims (including those associated with catastrophe losses),
regulatory approval of certain insurance premium rates, policy terms, license
applications and similar matters, governmental actions (including new laws or
regulations or court decisions interpreting existing laws and regulations),
adverse judgments in litigation to which the Company or its subsidiaries are
parties, realization of the economies of scale, and the successful migration of
the KIC business. No assurances can be given that the results contemplated in
any forward-looking statements will be achieved or will be achieved in any
particular timetable. Unitrin assumes no obligation to release publicly any
revisions to any forward-looking statements as a result of events or
developments subsequent to the date of this Report.

                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                                 Unitrin, Inc.

Date:  June 13, 2003                             /s/ Eric J. Draut
                                                 Eric J. Draut
                                                 Executive Vice President and
                                                 Chief Financial Officer