C
HORACE MANN LIFE INS CO
Rating Date
November 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair quality investment portfolio (4.7 on a scale of 0 to 10). Fair overall results on stability tests (3.9). Good overall capitalization (6.1) based on good risk adjusted capital (moderate loss scenario). Nevertheless, capital levels have fluctuated during prior years.
Other Rating Factors: Good overall profitability (6.6). Return on equity has been excellent over the last five years averaging 27.0%. Good Liquidity (5.4).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Ind annuities (63.9%), group annuities (10.4%), ind health (5.0%), other (20.7%)
Licensed in: All states except NY, PR
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
Investments in Affiliates
Corporate Info
Group Affiliation
Horace Mann Educators Corp
Investment Rating
HMN
Company Address
#1 HORACE MANN PLAZA
SPRINGFIELD, IL 62715
Phone Number
(217) 789-2500
NAIC Number
64513
Largest Affiliates
B
Springfield, IL - P&C
U
B
Springfield, IL - P&C
B
Springfield, IL - P&C