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Horace Mann Educators HMN Limited-Pay Whole Life — Interest accretion rate

Other product segments

Experience life
6.1%0.0%
Term Life
4.3%+2.4%
SPIA (life contingent)
4.1%0.0%

Similar metrics at other companies

Fidelity National Financial logo
FNFTraditional Life — Interest accretion rate
2.4%0.0pp
CNO Financial Group logo
CNOTraditional life — Interest accretion rate
4.8%0.0pp
F&G Annuities & Life logo
FGTraditional Life — Interest accretion rate
2.4%0.0pp
Unum logo
UNMColonial Life — Interest accretion rate
4.4%0.0pp
Lincoln National logo
LNCTraditional Life — Interest accretion rate
5%0.0pp
Jackson Financial logo
JXNClosed Block Life — Interest accretion rate
3.1%0.0pp

Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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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

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 itemAs of June 30, 2026As of June 30, 2025
Interest accretion rate6.1%6.1%
Current discount rate5.6%5.5%
Limited-pay whole life
Interest accretion rate4.0%4.0%
Current discount rate5.9%5.8%
Supplemental health
Interest accretion rate1.7% - 2.8%1.7% - 2.8%
Current discount rate5.6% - 5.7%5.5% - 5.7%

Item 1. Consolidated Financial Statements

FAQ

What is Horace Mann Educators's limited-pay whole life — interest accretion rate?
Horace Mann Educators (HMN) reported limited-pay whole life — interest accretion rate of 4% in Q2 2026.
How has Horace Mann Educators's limited-pay whole life — interest accretion rate changed year-over-year?
Horace Mann Educators's limited-pay whole life — interest accretion rate decreased by 0.0% year-over-year, from 4% to 4%.
What is the long-term trend for Horace Mann Educators's limited-pay whole life — interest accretion rate?
Over 3 years (2022 to 2025), Horace Mann Educators's limited-pay whole life — interest accretion rate has grown at a 0.8% compound annual growth rate (CAGR), from 15.6% to 16%.
What does limited-pay whole life — interest accretion rate mean?
The rate at which the liability for future policy benefits is increased over time to reflect the passage of time and the accumulation of interest on the reserve balance. This reflects the cost of capital inherent in the insurance product's design. It is a fundamental component in calculating the growth of insurance liabilities.

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