Horace Mann Educators HMN Limited-Pay Whole Life — Lapses, actual experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept hmn:LiabilityForFuturePolicyBenefitLapseRateActualExperience.
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 — lapses, actual experience?
- Horace Mann Educators (HMN) reported limited-pay whole life — lapses, actual experience of 4.8% in Q1 2026.
- How has Horace Mann Educators's limited-pay whole life — lapses, actual experience changed year-over-year?
- Horace Mann Educators's limited-pay whole life — lapses, actual experience increased by 26.3% year-over-year, from 3.8% to 4.8%.
- What is the long-term trend for Horace Mann Educators's limited-pay whole life — lapses, actual experience?
- Over 3 years (2022 to 2025), Horace Mann Educators's limited-pay whole life — lapses, actual experience has grown at a 1.0% compound annual growth rate (CAGR), from 13.8% to 14.2%.
- What does limited-pay whole life — lapses, actual experience mean?
- The actual rate at which policyholders terminate their Limited-Pay Whole Life insurance contracts before the end of the policy term. High lapse rates can negatively impact profitability by reducing the duration of premium collection and increasing the impact of acquisition cost amortization. It is a key metric for evaluating customer retention and product stability.