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Horace Mann Educators HMN Experience life — Effect of changes in discount rate assumptions
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.
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) |
|---|---|---|---|---|---|---|
| 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) | — |
| June 30, 2026 balance at original discount rate | 250.8 | 261.3 | 61.6 | 35.6 | 216.6 | — |
| Effect of changes in discount rate assumptions | (29.4) | (16.8) | 1.4 | (1.9) | (27.6) | — |
| Balance at June 30, 2026 | 221.4 | 244.5 | 63.0 | 33.7 | 189.0 | — |
| Present value of expected future policy benefits: | ||||||
| Balance at April 1, 2026 | 496.8 | 386.0 | 786.0 | 88.1 | 375.0 | 93.4 |
| April 1, 2026 balance at original discount rate | 615.8 | 432.5 | 757.1 | 118.5 | 463.9 | 101.7 |
Item 1. Consolidated Financial Statements
FAQ
- 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 Q2 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 36.4% year-over-year, from $2.2M 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.
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