Horace Mann Educators HMN Experience life — Lapses, expected experience

Similar metrics at other companies

FNFTraditional Life — Lapses

0.5%-0.1pp

BRK.ALife And Health Insurance — Liability For Future Policy Benefit Expected Future Policy Benefit Current Period Increase Decrease Effect Of Actual Versus Expected Experience

-$196M-190%

FGTraditional Life — Lapse rate

0.5%-0.1pp

FNFImmediate annuities — Lapses

0%—

KKREffect of Changes in Experience

-$20.13M+68.9%

BRK.ALife And Health Insurance — Liability For Future Policy Benefit Expected Net Premium Increase Decrease Effect Of Actual Versus Expected Experience

-$187M-196%

Questions, answered.

What is Horace Mann Educators's experience life — lapses, expected experience?

Horace Mann Educators (HMN) reported experience life — lapses, expected experience of 3.2% in Q1 2026.

How has Horace Mann Educators's experience life — lapses, expected experience changed year-over-year?

Horace Mann Educators's experience life — lapses, expected experience increased by 6.7% year-over-year, from 3% to 3.2%.

What is the long-term trend for Horace Mann Educators's experience life — lapses, expected experience?

Over 3 years (2022 to 2025), Horace Mann Educators's experience life — lapses, expected experience has grown at a -1.6% compound annual growth rate (CAGR), from 12.7% to 12.1%.

What does experience life — lapses, expected experience mean?

The projected rate of policyholder contract terminations used by actuaries to model long-term cash flows and reserve requirements. Comparing this to actual lapse experience helps identify shifts in customer behavior or product attractiveness. It is a vital component in the valuation of the insurance segment's long-term liabilities.