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Horace Mann Educators HMN Experience life — Interest accretion rate

Other product segments

Term Life
4.3%+2.4%
SPIA (life contingent)
4.1%0.0%
Limited-Pay Whole Life
4%0.0%

Similar metrics at other companies

Fidelity National Financial logo
FNFTraditional Life — Interest accretion rate
2.4%0.0pp
CNO Financial Group logo
CNOTraditional life — Interest accretion rate
4.8%0.0pp
F&G Annuities & Life logo
FGTraditional Life — Interest accretion rate
2.4%0.0pp
Unum logo
UNMColonial Life — Interest accretion rate
4.4%0.0pp
Lincoln National logo
LNCTraditional Life — Interest accretion rate
5%0.0pp
Jackson Financial logo
JXNClosed Block Life — Interest accretion rate
3.1%0.0pp

Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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Cash & equivalents$46.2M+13.0%
Total debt$594.2M+8.5%
Total equity$1.5B+10.5%
Total assets$15.6B+5.9%

Cash flow

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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Return on equity12.4%+1.5pp
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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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
Line itemAs of June 30, 2026As of June 30, 2025
Interest accretion rate4.2% - 4.3%4.2% - 4.2%
Current discount rate5.4% - 5.6%5.3% - 5.4%
Experience life
Interest accretion rate6.1%6.1%
Current discount rate5.6%5.5%
Limited-pay whole life
Interest accretion rate4.0%4.0%
Current discount rate5.9%5.8%

Item 1. Consolidated Financial Statements

FAQ

What is Horace Mann Educators's experience life — interest accretion rate?
Horace Mann Educators (HMN) reported experience life — interest accretion rate of 6.1% in Q2 2026.
How has Horace Mann Educators's experience life — interest accretion rate changed year-over-year?
Horace Mann Educators's experience life — interest accretion rate decreased by 0.0% year-over-year, from 6.1% to 6.1%.
What is the long-term trend for Horace Mann Educators's experience life — interest accretion rate?
Over 3 years (2022 to 2025), Horace Mann Educators's experience life — interest accretion rate has grown at a 0.0% compound annual growth rate (CAGR), from 24.4% to 24.4%.
What does experience life — interest accretion rate mean?
The rate at which the company accrues interest on its insurance liabilities, reflecting the cost of funds or the guaranteed return provided to policyholders. This rate is central to the company's ability to manage its interest-sensitive products and maintain competitive margins. It directly impacts the growth of policyholder account balances over time.

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