Horace Mann Educators HMN Experience life — Lapses, actual experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept hmn:LiabilityForFuturePolicyBenefitLapseRateActualExperience.
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 — lapses, actual experience?
- Horace Mann Educators (HMN) reported experience life — lapses, actual experience of 4.1% in Q1 2026.
- How has Horace Mann Educators's experience life — lapses, actual experience changed year-over-year?
- Horace Mann Educators's experience life — lapses, actual experience increased by 24.2% year-over-year, from 3.3% to 4.1%.
- What is the long-term trend for Horace Mann Educators's experience life — lapses, actual experience?
- Over 3 years (2022 to 2025), Horace Mann Educators's experience life — lapses, actual experience has grown at a 3.4% compound annual growth rate (CAGR), from 13.2% to 14.6%.
- What does experience life — lapses, actual experience mean?
- The actual rate at which policyholders terminate their life insurance contracts prior to the end of the policy term. High lapse rates can negatively impact profitability by reducing future premium income and increasing the amortization of acquisition costs. This metric is a key indicator of customer satisfaction and competitive market positioning.