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Horace Mann Educators HMN Experience life — Expected future benefits and expenses, undiscounted

Other product segments

Term Life
$742.6M-0.3%
Limited-Pay Whole Life
$339.4M+9.8%
SPIA (life contingent)
$142.6M-4.2%

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$5.07B+3.5%
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GELong-term care — Expected future benefit payments, undiscounted
$60.87B-0.9%
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APOWhole Life — Expected future benefit payments, undiscounted
$11.48B+13.3%

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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 — expected future benefits and expenses, undiscounted?
Horace Mann Educators (HMN) reported experience life — expected future benefits and expenses, undiscounted of $1.51B in Q1 2026.
How has Horace Mann Educators's experience life — expected future benefits and expenses, undiscounted changed year-over-year?
Horace Mann Educators's experience life — expected future benefits and expenses, undiscounted decreased by 6.6% year-over-year, from $1.62B to $1.51B.
What is the long-term trend for Horace Mann Educators's experience life — expected future benefits and expenses, undiscounted?
Over 2 years (2023 to 2025), Horace Mann Educators's experience life — expected future benefits and expenses, undiscounted has grown at a -4.3% compound annual growth rate (CAGR), from $6.89B to $6.3B.
What does experience life — expected future benefits and expenses, undiscounted mean?
The total nominal amount of projected future benefit payments and associated administrative expenses for the life insurance segment. This figure represents the undiscounted liability obligations the company expects to fulfill over the life of its policies. Monitoring this helps management assess the raw scale of future operational and claims-related costs.