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Horace Mann Educators HMN Experience life — Net liability for future policy benefits
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefits.
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
| ($ in millions) | Whole Life | Term Life | Experience Life(1) | Limited-Pay Whole Life | Supplemental Health(2) | SPIA (life contingent) |
|---|---|---|---|---|---|---|
| June 30, 2026 balance at original discount rate | 616.5 | 437.4 | 750.9 | 119.3 | 464.3 | 99.7 |
| Effect of changes in discount rate assumptions | (114.8) | (44.4) | 30.0 | (29.5) | (86.7) | (8.2) |
| Balance at June 30, 2026 | 501.7 | 393.0 | 780.9 | 89.8 | 377.6 | 91.5 |
| Net liability for future policy benefits | 280.3 | 148.4 | 718.0 | 56.0 | 188.9 | 91.6 |
| Less: Reinsurance recoverable | (56.8) | (21.3) | (0.8) | (1.5) | (5.1) | (4.1) |
| Net liability for future policy benefits, after reinsurance recoverable | 223.5 | 127.1 | 717.2 | 54.5 | 183.8 | 87.5 |
| Impact of flooring on net liability for future policy benefits | — | — | — | — | — | — |
| Net liability for future policy benefits at June 30, 2026 | $223.5 | $127.1 | $717.2 | $54.5 | $183.8 | $87.5 |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's experience life — net liability for future policy benefits?
- Horace Mann Educators (HMN) reported experience life — net liability for future policy benefits of $718M in Q2 2026.
- How has Horace Mann Educators's experience life — net liability for future policy benefits changed year-over-year?
- Horace Mann Educators's experience life — net liability for future policy benefits decreased by 3.4% year-over-year, from $743.1M to $718M.
- What is the long-term trend for Horace Mann Educators's experience life — net liability for future policy benefits?
- Over 2 years (2023 to 2025), Horace Mann Educators's experience life — net liability for future policy benefits has grown at a -3.1% compound annual growth rate (CAGR), from $3.18B to $2.99B.
- What does experience life — net liability for future policy benefits mean?
- The total net obligation for future policy benefits after accounting for expected future premiums and reinsurance arrangements. It represents the core long-term liability burden for the life insurance segment on the balance sheet.
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