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Horace Mann Educators HMN Supplemental health — Actual variances from expected experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience.
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
| ($ in millions) | Whole Life | Term Life | Experience Life(1) | Limited-Pay Whole Life | Supplemental Health(2) | SPIA (life contingent) |
|---|---|---|---|---|---|---|
| April 1, 2026 balance at original discount rate | 615.8 | 432.5 | 757.1 | 118.5 | 463.9 | 101.7 |
| Effect of: | ||||||
| Changes in cash flow assumptions | — | — | — | — | — | — |
| Actual variances from expected experience | (0.5) | — | (1.2) | 0.1 | 1.3 | (0.1) |
| Adjusted balance at April 1, 2026 | 615.3 | 432.5 | 755.9 | 118.6 | 465.2 | 101.6 |
| Issuances | 2.8 | 5.6 | — | 0.5 | 4.7 | — |
| Interest accruals | 5.4 | 4.5 | 11.1 | 1.1 | 3.5 | 1.0 |
| Benefit payments(6) | (7.0) | (5.2) | (16.1) | (0.9) | (9.1) | (2.9) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's supplemental health — actual variances from expected experience?
- Horace Mann Educators (HMN) reported supplemental health — actual variances from expected experience of $1.3M in Q1 2026.
- How has Horace Mann Educators's supplemental health — actual variances from expected experience changed year-over-year?
- Horace Mann Educators's supplemental health — actual variances from expected experience increased by 230.0% year-over-year, from -$1M to $1.3M.
- What does supplemental health — actual variances from expected experience mean?
- This metric measures the difference between actual insurance experience and the actuarial projections used to set reserves for supplemental health products. It captures deviations in claim costs, lapse rates, or other operational factors that impact the profitability of the segment. Consistent variances may indicate a need to recalibrate pricing or underwriting standards for the supplemental health business.
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