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Horace Mann Educators HMN Experience life — Mortality / Morbidity, 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:LiabilityForFuturePolicyBenefitMortalityRateActualExperience.
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) |
|---|---|---|---|---|---|---|
| Mortality / Morbidity | ||||||
| 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) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — mortality / morbidity, actual experience?
- Horace Mann Educators (HMN) reported experience life — mortality / morbidity, actual experience of 1.8% in Q2 2026.
- How has Horace Mann Educators's experience life — mortality / morbidity, actual experience changed year-over-year?
- Horace Mann Educators's experience life — mortality / morbidity, actual experience decreased by 5.3% year-over-year, from 1.9% to 1.8%.
- What is the long-term trend for Horace Mann Educators's experience life — mortality / morbidity, actual experience?
- Over 3 years (2022 to 2025), Horace Mann Educators's experience life — mortality / morbidity, actual experience has grown at a 4.7% compound annual growth rate (CAGR), from 6.7% to 7.7%.
- What does experience life — mortality / morbidity, actual experience mean?
- The actual observed frequency and severity of mortality or morbidity claims within the life insurance segment during a specific period. This metric reflects the real-world performance of the insured population compared to actuarial assumptions. Significant deviations from expectations can indicate changes in risk profile or underwriting effectiveness.
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