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Horace Mann Educators HMN Limited-Pay Whole Life — Expected future gross premiums, discounted

Other product segments

Term Life
$451.8M-2.8%
Experience life
$252M-8.0%
SPIA (life contingent)
$0

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BHFTerm and Whole Life Insurance — Liability for Future Policy Benefit, Expected Future Gross Premium, Discounted, before Reinsurance
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AMPTerm and Whole Life Insurance — Discounted expected future gross premiums
$1.91B+14.4%
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APOWhole Life — Expected future gross premiums, undiscounted
$1.84B+71.9%
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METWhole and Term Life & Endowments — Discounted - Expected future gross premiums (at current discount rate at balance sheet date)
$7.26B-3.4%

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:LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance.

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 — expected future gross premiums, discounted?
Horace Mann Educators (HMN) reported limited-pay whole life — expected future gross premiums, discounted of $55.2M in Q1 2026.
How has Horace Mann Educators's limited-pay whole life — expected future gross premiums, discounted changed year-over-year?
Horace Mann Educators's limited-pay whole life — expected future gross premiums, discounted increased by 2.4% year-over-year, from $53.9M to $55.2M.
What is the long-term trend for Horace Mann Educators's limited-pay whole life — expected future gross premiums, discounted?
Over 2 years (2023 to 2025), Horace Mann Educators's limited-pay whole life — expected future gross premiums, discounted has grown at a 6.8% compound annual growth rate (CAGR), from $192.7M to $219.9M.
What does limited-pay whole life — expected future gross premiums, discounted mean?
The present value of all future gross premiums expected to be collected from Limited-Pay Whole Life policyholders, adjusted for the time value of money. This metric provides a more accurate assessment of the economic value of future cash inflows by accounting for the timing of payments. It is essential for evaluating the long-term profitability and solvency of the insurance product line.