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Horace Mann Educators HMN Experience life — Actual variances from expected experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience.
The source filing: Horace Mann Educators’s 10-Q, filed August 7, 2026.
- Filed
- Aug 7, 2026, 12:31 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0000850141-26-000033
| ($ in millions) | Whole Life | Term Life | Experience Life(1) | Limited-Pay Whole Life | Supplemental Health(2) | SPIA (life contingent) |
|---|---|---|---|---|---|---|
| April 1, 2026 balance at original discount rate | 252.4 | 259.9 | 63.2 | 35.9 | 215.7 | — |
| Effect of: | ||||||
| Change in cash flow assumptions | — | — | — | — | — | — |
| Actual variances from expected experience | (0.4) | (0.1) | (0.8) | — | 1.4 | — |
| Adjusted balance at April 1, 2026 | 252.0 | 259.8 | 62.4 | 35.9 | 217.1 | — |
| Issuances(3) | 2.8 | 5.5 | — | 0.5 | 4.7 | — |
| Interest accruals(4) | 2.1 | 2.8 | 0.9 | 0.3 | 1.8 | — |
| Net premiums collected(5) | (6.2) | (6.8) | (1.7) | (1.2) | (6.9) | — |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — actual variances from expected experience?
- Horace Mann Educators (HMN) reported experience life — actual variances from expected experience of -$800K in Q1 2026.
- How has Horace Mann Educators's experience life — actual variances from expected experience changed year-over-year?
- Horace Mann Educators's experience life — actual variances from expected experience decreased by 125.0% year-over-year, from $3.2M to -$800K.
- What does experience life — actual variances from expected experience mean?
- Quantifies the difference between actual insurance experience and the actuarial assumptions used to set reserves. Positive or negative variances indicate whether the company is over- or under-estimating its long-term liabilities. This is a key metric for evaluating the accuracy of the company's internal actuarial modeling.
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