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Horace Mann Educators HMN Experience life — Beginning balance at original discount rate
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance.
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) |
|---|---|---|---|---|---|---|
| Issuances | 2.8 | 5.6 | — | 0.5 | 4.7 | — |
| Interest accruals | 5.4 | 4.5 | 11.1 | 1.1 | 3.5 | 1.0 |
| Benefit payments(6) | (7.0) | (5.2) | (16.1) | (0.9) | (9.1) | (2.9) |
| June 30, 2026 balance at original discount rate | 616.5 | 437.4 | 750.9 | 119.3 | 464.3 | 99.7 |
| Effect of changes in discount rate assumptions | (114.8) | (44.4) | 30.0 | (29.5) | (86.7) | (8.2) |
| Balance at June 30, 2026 | 501.7 | 393.0 | 780.9 | 89.8 | 377.6 | 91.5 |
| Net liability for future policy benefits | 280.3 | 148.4 | 718.0 | 56.0 | 188.9 | 91.6 |
| Less: Reinsurance recoverable | (56.8) | (21.3) | (0.8) | (1.5) | (5.1) | (4.1) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — beginning balance at original discount rate?
- Horace Mann Educators (HMN) reported experience life — beginning balance at original discount rate of $750.9M in Q2 2026.
- How has Horace Mann Educators's experience life — beginning balance at original discount rate changed year-over-year?
- Horace Mann Educators's experience life — beginning balance at original discount rate decreased by 2.7% year-over-year, from $771.8M to $750.9M.
- What is the long-term trend for Horace Mann Educators's experience life — beginning balance at original discount rate?
- Over 2 years (2023 to 2025), Horace Mann Educators's experience life — beginning balance at original discount rate has grown at a -1.8% compound annual growth rate (CAGR), from $3.2B to $3.08B.
- What does experience life — beginning balance at original discount rate mean?
- Represents the opening valuation of the liability for future policy benefits calculated using the initial discount rate established at contract inception. This metric provides a baseline for tracking long-term insurance obligations before subsequent adjustments for market fluctuations or assumption changes.
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