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Horace Mann Educators HMN Limited-Pay Whole Life — Current discount rate

Other product segments

Experience life
5.6%+1.8%
Term Life
5.6%+3.7%
SPIA (life contingent)
5.4%+1.9%

Similar metrics at other companies

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CINFWhole Life Insurance — Current discount rate
5.8%+0.2pp
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METWhole and Term Life & Endowments — Weighted-average current discount rate at balance sheet date
4%+1.2pp
Brighthouse Financial logo
BHFTerm and Whole Life Insurance — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate
5.3%0.0pp
Apollo Global Management logo
APOWhole Life — Weighted-average current discount rate
6.5%+1.8pp
Cincinnati Financial logo
CINFTerm Life Insurance — Current discount rate
5.1%+0.2pp
Kemper logo
KMPRTerm Life Insurance — Current Discount Rate
5.9%+0.2pp

Other financials

Income statement

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Revenue$429.3M+3.1%
Net income$41.2M+7.9%
EPS (diluted)$1.00+8.7%

Balance sheet

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Cash & equivalents$20.9M-31.0%
Total debt$593.8M+8.5%
Total equity$1.5B+9.5%
Total assets$15.0B+4.0%

Cash flow

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Operating cash flow$61.3M-56.5%

Valuation

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Market cap$2.04B+18.8%
Enterprise value$2.61B+17.0%
P/E12.4×-2.6×
P/S1.2×+0.1×

Profitability

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Net margin9.6%+2.6pp

Returns & leverage

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Return on equity11.7%+2.8pp
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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

The official record: Horace Mann Educators’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horace Mann Educators's limited-pay whole life — current discount rate?
Horace Mann Educators (HMN) reported limited-pay whole life — current discount rate of 6% in Q1 2026.
How has Horace Mann Educators's limited-pay whole life — current discount rate changed year-over-year?
Horace Mann Educators's limited-pay whole life — current discount rate increased by 3.4% year-over-year, from 5.8% to 6%.
What is the long-term trend for Horace Mann Educators's limited-pay whole life — current discount rate?
Over 3 years (2022 to 2025), Horace Mann Educators's limited-pay whole life — current discount rate has grown at a 6.7% compound annual growth rate (CAGR), from 19.1% to 23.2%.
What does limited-pay whole life — current discount rate mean?
The interest rate used to discount future cash flows, such as premiums and benefits, to their present value for the Limited-Pay Whole Life segment. This rate is typically aligned with high-quality fixed-income yields and is sensitive to broader market interest rate environments. Changes in this rate directly impact the valuation of insurance liabilities and the reported financial position.