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Horace Mann Educators HMN Experience life — Effect of changes in discount rate assumptions

Other product segments

Term Life
-$17.1M+20.1%
Limited-Pay Whole Life
-$1.9M+13.6%
SPIA (life contingent)
$0

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-$22.6M+15.7%
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AFLLife insurance — Effect of changes in discount rate assumptions
-$345M-321%

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-1.1%

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:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.

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 — effect of changes in discount rate assumptions?
Horace Mann Educators (HMN) reported experience life — effect of changes in discount rate assumptions of $1.4M in Q1 2026.
How has Horace Mann Educators's experience life — effect of changes in discount rate assumptions changed year-over-year?
Horace Mann Educators's experience life — effect of changes in discount rate assumptions decreased by 22.2% year-over-year, from $1.8M to $1.4M.
What is the long-term trend for Horace Mann Educators's experience life — effect of changes in discount rate assumptions?
Over 2 years (2023 to 2025), Horace Mann Educators's experience life — effect of changes in discount rate assumptions has grown at a -11.9% compound annual growth rate (CAGR), from $12.5M to $9.7M.
What does experience life — effect of changes in discount rate assumptions mean?
Quantifies the sensitivity of the life insurance liability valuation to shifts in the discount rate used for present value calculations. As interest rates fluctuate, the present value of future obligations changes, impacting the balance sheet. This metric highlights the company's exposure to interest rate risk within its life insurance segment.