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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%

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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$2.05B-1.1%
Enterprise value$2.62B+1.6%
P/E12.4×-5.7×
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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 — interest accretion rate?
Horace Mann Educators (HMN) reported limited-pay whole life — interest accretion rate of 4% in Q1 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.