B
HORACE MANN LIFE INS CO
Rating Date
July 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: Good overall capitalization (6.4 on a scale of 0 to 10) based on good risk adjusted capital (severe loss scenario). However, capital levels have fluctuated somewhat during past years. Good Liquidity (5.1) with sufficient resources to handle a spike in claims as well as a significant increase in policy surrenders. Fair quality investment portfolio (4.8).
Other Rating Factors: Fair overall results on stability tests (4.8). Excellent profitability (7.9) with operating gains in each of the last five years.
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: Other (100%)
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