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Horace Mann Educators HMN Experience life — Current discount rate

Other product segments

Limited-Pay Whole Life
6%+3.4%
Term Life
5.6%+3.7%
SPIA (life contingent)
5.4%+1.9%

Similar metrics at other companies

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GELife — Current discount rate
5.2%+0.2pp
Kemper logo
KMPRTerm Life Insurance — Current Discount Rate
5.9%+0.2pp
Cincinnati Financial logo
CINFTerm Life Insurance — Current discount rate
5.1%+0.2pp
Lincoln National logo
LNCTraditional Life — Current discount rate
4.9%0.0pp
Cincinnati Financial logo
CINFWhole Life Insurance — Current discount rate
5.8%+0.2pp
Aflac logo
AFLLife insurance — Weighted-average interest, current discount rate
9%+1.0pp

Other financials

Income statement

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Revenue$429.3M+3.1%
Net income$41.2M+7.9%
EPS (diluted)$1.00+8.7%

Balance sheet

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Cash & equivalents$20.9M-31.0%
Total debt$593.8M+8.5%
Total equity$1.5B+9.5%
Total assets$15.0B+4.0%

Cash flow

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Operating cash flow$61.3M-56.5%

Valuation

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Market cap$2.04B+18.8%
Enterprise value$2.61B+17.0%
P/E12.4×-2.6×
P/S1.2×+0.1×

Profitability

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Net margin9.6%+2.6pp

Returns & leverage

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Return on equity11.7%+2.8pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Horace Mann Educators in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

The official record: Horace Mann Educators’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horace Mann Educators's experience life — current discount rate?
Horace Mann Educators (HMN) reported experience life — current discount rate of 5.6% in Q1 2026.
How has Horace Mann Educators's experience life — current discount rate changed year-over-year?
Horace Mann Educators's experience life — current discount rate increased by 1.8% year-over-year, from 5.5% to 5.6%.
What is the long-term trend for Horace Mann Educators's experience life — current discount rate?
Over 3 years (2022 to 2025), Horace Mann Educators's experience life — current discount rate has grown at a 4.2% compound annual growth rate (CAGR), from 19.2% to 21.7%.
What does experience life — current discount rate mean?
The interest rate used to discount future cash flows, such as premiums and benefit payments, to their present value for financial reporting purposes. This rate is typically aligned with current market yields on high-quality fixed-income securities. Changes in this rate significantly influence the valuation of insurance liabilities and the company's reported equity.