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Horace Mann Educators HMN Experience life — Actual variances from expected experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience.
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) |
|---|---|---|---|---|---|---|
| April 1, 2026 balance at original discount rate | 615.8 | 432.5 | 757.1 | 118.5 | 463.9 | 101.7 |
| Effect of: | ||||||
| Changes in cash flow assumptions | — | — | — | — | — | — |
| Actual variances from expected experience | (0.5) | — | (1.2) | 0.1 | 1.3 | (0.1) |
| Adjusted balance at April 1, 2026 | 615.3 | 432.5 | 755.9 | 118.6 | 465.2 | 101.6 |
| 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) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — actual variances from expected experience?
- Horace Mann Educators (HMN) reported experience life — actual variances from expected experience of -$1.2M in Q1 2026.
- How has Horace Mann Educators's experience life — actual variances from expected experience changed year-over-year?
- Horace Mann Educators's experience life — actual variances from expected experience decreased by 122.2% year-over-year, from $5.4M to -$1.2M.
- What does experience life — actual variances from expected experience mean?
- This metric measures the difference between the actual mortality and morbidity outcomes experienced by the life insurance portfolio and the actuarial assumptions used to price those products. It serves as a key indicator of underwriting accuracy and the adequacy of reserves for life insurance liabilities. Significant variances may signal a need to adjust pricing models or risk selection criteria.
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