What does life & retirement — loss adjustment expenses mean?

Includes the costs incurred by the company to investigate, evaluate, and settle insurance claims within the life and retirement segment. This metric is a key component of the total cost of claims and reflects the operational efficiency of the claims-handling process.

Horace Mann Educators (HMN) Life & Retirement — Loss adjustment expenses

Screener

Other segment segments

Property & Casualty

$18.5M+8.2%

Corporate & Other

$0—

Supplemental & Group Benefits

$0—

Similar metrics at other companies

RMNon Life Insurance — Liability For Unpaid Claims And Claims Adjustment Expense Period Increase Decrease

-$250K-225%

RDNSpecialty Insurance — Liability For Unpaid Claims And Claims Adjustment Expense Period Increase Decrease

$127M—

SKWDMulti-line Solutions — Reserves for losses and LAE, increase (decrease)

-$1.33M-152%

SKWDExited Lines — Reserves for losses and LAE, increase (decrease)

$5.6M+47.4%

SKWDShort-Tail/Monoline Specialty Lines — Reserves for losses and LAE, increase (decrease)

-$6.15M—

PGRLoss adjustment expenses

$1.88B+12.2%

Other financials

Income statement

See full

Revenue$443.5M+7.7%

Net income$41.6M+41.5%

EPS (diluted)$1.01+42.3%

Balance sheet

See full

Cash & equivalents$46.2M+13.0%

Total debt$594.2M+8.5%

Total equity$1.5B+10.5%

Total assets$15.6B+5.9%

Cash flow

See full

Operating cash flow$223.7M+70.4%

Valuation

See full

Market cap$2.14B+19.6%

Enterprise value$2.69B+17.1%

P/E12.1×-0.7×

P/S1.2×+0.1×

Profitability

See full

Net margin10.2%+1.7pp

Returns & leverage

See full

Return on equity12.4%+1.5pp

Debt / equity0.4×0.0×

Where this comes from

Reported directly by Horace Mann Educators in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePeriodIncreaseDecrease.

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	Property & Casualty	Life & Retirement	Supplemental & Group Benefits	Corporate & Other*	Totals
Total segment revenues	$217.8	$143.2	$80.1	$2.5	$443.6
Benefits and claims expenses (excluding catastrophe losses)	$84.7	$31.9	$31.6	—	$148.2
Catastrophe losses	24.2	—	—	—	24.2
Loss adjustment expenses	18.5	—	—	—	18.5
Interest credited	—	53.2	1.4	—	54.6
Operating & admin expenses	34.5	25.1	21.0	3.5	84.0
Commissions expense	16.9	11.3	11.3	—	39.5
Taxes, licenses and fees	5.6	1.2	1.5	0.2	8.5

Item 1. Consolidated Financial Statements

FAQ

What is Horace Mann Educators's life & retirement — loss adjustment expenses?: Horace Mann Educators (HMN) reported life & retirement — loss adjustment expenses of $0 in Q2 2026.
What does life & retirement — loss adjustment expenses mean?: Includes the costs incurred by the company to investigate, evaluate, and settle insurance claims within the life and retirement segment. This metric is a key component of the total cost of claims and reflects the operational efficiency of the claims-handling process.