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Horace Mann Educators HMN Term Life — Beginning balance at original discount rate
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance.
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) |
|---|---|---|---|---|---|---|
| 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) |
| June 30, 2026 balance at original discount rate | 616.5 | 437.4 | 750.9 | 119.3 | 464.3 | 99.7 |
| Effect of changes in discount rate assumptions | (114.8) | (44.4) | 30.0 | (29.5) | (86.7) | (8.2) |
| Balance at June 30, 2026 | 501.7 | 393.0 | 780.9 | 89.8 | 377.6 | 91.5 |
| Net liability for future policy benefits | 280.3 | 148.4 | 718.0 | 56.0 | 188.9 | 91.6 |
| Less: Reinsurance recoverable | (56.8) | (21.3) | (0.8) | (1.5) | (5.1) | (4.1) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's term life — beginning balance at original discount rate?
- Horace Mann Educators (HMN) reported term life — beginning balance at original discount rate of $437.4M in Q2 2026.
- How has Horace Mann Educators's term life — beginning balance at original discount rate changed year-over-year?
- Horace Mann Educators's term life — beginning balance at original discount rate decreased by 1.1% year-over-year, from $442.4M to $437.4M.
- What is the long-term trend for Horace Mann Educators's term life — beginning balance at original discount rate?
- Over 2 years (2023 to 2025), Horace Mann Educators's term life — beginning balance at original discount rate has grown at a 3.2% compound annual growth rate (CAGR), from $1.63B to $1.74B.
- What does term life — beginning balance at original discount rate mean?
- Represents the initial carrying amount of the liability for future policy benefits calculated using the original discount rate at the start of the reporting period. This metric serves as the baseline for tracking long-duration insurance contract obligations before subsequent adjustments for cash flow or discount rate changes. It is essential for understanding the stability and valuation of long-term life insurance reserves.
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