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Horace Mann Educators HMN Limited-Pay Whole Life — Interest accruals

Other product segments

Term Life
$2.8M0.0%
Experience life
$900K0.0%
SPIA (life contingent)
$0

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$50M-9.1%
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BHFTerm and Whole Life Insurance — Liability for Future Policy Benefit, Expected Net Premium, Interest Income
$24M-14.3%

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome.

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 accruals?
Horace Mann Educators (HMN) reported limited-pay whole life — interest accruals of $400K in Q1 2026.
How has Horace Mann Educators's limited-pay whole life — interest accruals changed year-over-year?
Horace Mann Educators's limited-pay whole life — interest accruals decreased by 0.0% year-over-year, from $400K to $400K.
What is the long-term trend for Horace Mann Educators's limited-pay whole life — interest accruals?
Over 3 years (2021 to 2025), Horace Mann Educators's limited-pay whole life — interest accruals has grown at a 23.3% compound annual growth rate (CAGR), from $800K to $1.5M.
What does limited-pay whole life — interest accruals mean?
This represents the interest expense accrued on the liability for future policy benefits for the limited-pay whole life segment. It reflects the cost of carrying long-term insurance obligations over time based on the discount rate applied to the reserves. Monitoring this helps investors understand the impact of the interest rate environment on the company's long-term profitability.