EXHIBIT 99.2


                          STATEMENT UNDER OATH OF
                PRINCIPAL FINANCIAL OFFICER OF UNITRIN, INC.
                --------------------------------------------

I, Eric J. Draut, state and attest that:

         (1) To the best of my knowledge, based upon a review of the
         covered reports of Unitrin, Inc., and, except as corrected or
         supplemented in a subsequent covered report:

                  o     no covered report contained an untrue statement of
                        a material fact as of the end of the period covered
                        by such report (or in the case of a report on Form
                        8-K or definitive proxy materials, as of the date
                        on which it was filed); and

                  o     no covered report omitted to state a material fact
                        necessary to make the statements in the covered
                        report, in light of the circumstances under which
                        they were made, not misleading as of the end of the
                        period covered by such report (or in the case of a
                        report on Form 8-K or definitive proxy materials,
                        as of the date on which it was filed).

         (2) I have reviewed the contents of this statement with the Audit
         Committee of the Board of Directors of Unitrin, Inc.

         (3) In this statement under oath, each of the following, if filed
         on or before the date of this statement, is a "covered report":

                  o     Annual Report on Form 10-K for the year ended
                        December 31, 2001 of Unitrin, Inc.;

                  o     all reports on Form 10-Q, all reports on Form 8-K
                        and all definitive proxy materials of Unitrin, Inc.
                        filed with the Commission subsequent to the filing
                        of the Form 10-K identified above; and

                  o     any amendments to any of the foregoing.


/s/ Eric J. Draut
----------------------------                         Subscribed and sworn to
Eric J. Draut                                        before me this 31st day of
Executive Vice President                             July 2002.
and Chief Financial Officer                           Elizabeth J. Pocius
                                                     -------------------------
July 31, 2002                                        Notary Public
                                                     My Commission Expires:
                                                      May 7, 2006
                                                     -------------------------