Horace Mann Educators HMN Supplemental health — Lapses, expected experience

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Questions, answered.

What is Horace Mann Educators's supplemental health — lapses, expected experience?

Horace Mann Educators (HMN) reported supplemental health — lapses, expected experience of 10.3% in Q1 2026.

How has Horace Mann Educators's supplemental health — lapses, expected experience changed year-over-year?

Horace Mann Educators's supplemental health — lapses, expected experience decreased by 26.4% year-over-year, from 14% to 10.3%.

What does supplemental health — lapses, expected experience mean?

This metric represents the projected rate of policy terminations used in the company's actuarial models for supplemental health insurance. It is a critical assumption for determining the expected lifetime value of the customer base and the adequacy of deferred acquisition cost amortization.