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Horace Mann Educators HMN Supplemental health — Current discount rate

Other product segments

Limited-Pay Whole Life
6%+3.4%
Experience life
5.6%+1.8%
Term Life
5.6%+3.7%
SPIA (life contingent)
5.4%+1.9%

Similar metrics at other companies

Equitable Holdings logo
EQHHealth — Current discount rate
5.3%+0.1pp
Unum logo
UNMVoluntary Benefits — Current discount rate
5.7%+0.2pp
Jackson Financial logo
JXNCurrent discount rate on future policy benefits
$73M+197%
Voya Financial logo
VOYAEmployee Benefits Group — Current discount rate
5.2%-0.1pp
Aflac logo
AFLMedical and other health — Weighted-average interest, current discount rate
4.4%+1.2pp
Aflac logo
AFLOther — Weighted-average interest, current discount rate
9.7%+1.2pp

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$2.04B+18.8%
Enterprise value$2.61B+17.0%
P/E12.4×-2.6×
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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 supplemental health — current discount rate?
Horace Mann Educators (HMN) reported supplemental health — current discount rate of 5.8% in Q1 2026.
How has Horace Mann Educators's supplemental health — current discount rate changed year-over-year?
Horace Mann Educators's supplemental health — current discount rate increased by 1.8% year-over-year, from 5.7% to 5.8%.
What is the long-term trend for Horace Mann Educators's supplemental health — current discount rate?
Over 3 years (2022 to 2025), Horace Mann Educators's supplemental health — current discount rate has grown at a 3.5% compound annual growth rate (CAGR), from 20.3% to 22.5%.
What does supplemental health — current discount rate mean?
This metric represents the interest rate used to discount future cash flows for the supplemental health insurance segment to their present value. Changes in this rate significantly impact the valuation of liabilities and the reported financial position of the insurance segment.