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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 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 item | Whole Life | Term Life | Experience Life | Limited-Pay Whole Life | Supplemental Health | SPIA (life contingent) |
|---|---|---|---|---|---|---|
| Actual experience | 0.7% | 0.1% - 0.7% | 1.8% | 0.2% | 30.3% | N.M. |
| Expected experience | 0.8% | 0.1% - 1.0% | 2.0% | 0.3% | 27.8% | N.M. |
| Lapses | ||||||
| Actual experience | 3.8% | 4.3% - 8.1% | 4.5% | 4.2% | 11.0% | N.M. |
| Expected experience | 3.4% | 4.8% - 9.0% | 3.3% | 3.6% | 10.5% | N.M. |
| June 30, 2025 | ||||||
| Whole Life | Term Life | Experience Life | Limited-Pay Whole Life | Supplemental Health | SPIA (life contingent) | |
| Mortality / Morbidity |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — lapses, actual experience?
- Horace Mann Educators (HMN) reported experience life — lapses, actual experience of 4.5% in Q2 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 25.0% year-over-year, from 3.6% to 4.5%.
- 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.
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