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Horace Mann Educators HMN Term Life — Effect of changes in discount rate assumptions
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.
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) |
|---|---|---|---|---|---|---|
| Interest accruals(4) | 2.1 | 2.8 | 0.9 | 0.3 | 1.8 | — |
| Net premiums collected(5) | (6.2) | (6.8) | (1.7) | (1.2) | (6.9) | — |
| June 30, 2026 balance at original discount rate | 250.8 | 261.3 | 61.6 | 35.6 | 216.6 | — |
| Effect of changes in discount rate assumptions | (29.4) | (16.8) | 1.4 | (1.9) | (27.6) | — |
| Balance at June 30, 2026 | 221.4 | 244.5 | 63.0 | 33.7 | 189.0 | — |
| Present value of expected future policy benefits: | ||||||
| Balance at April 1, 2026 | 496.8 | 386.0 | 786.0 | 88.1 | 375.0 | 93.4 |
| April 1, 2026 balance at original discount rate | 615.8 | 432.5 | 757.1 | 118.5 | 463.9 | 101.7 |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's term life — effect of changes in discount rate assumptions?
- Horace Mann Educators (HMN) reported term life — effect of changes in discount rate assumptions of -$16.8M in Q2 2026.
- How has Horace Mann Educators's term life — effect of changes in discount rate assumptions changed year-over-year?
- Horace Mann Educators's term life — effect of changes in discount rate assumptions increased by 16.4% year-over-year, from -$20.1M to -$16.8M.
- What is the long-term trend for Horace Mann Educators's term life — effect of changes in discount rate assumptions?
- Over 2 years (2023 to 2025), Horace Mann Educators's term life — effect of changes in discount rate assumptions has grown at a -17.2% compound annual growth rate (CAGR), from -$101.7M to -$69.8M.
- What does term life — effect of changes in discount rate assumptions mean?
- This metric isolates the financial impact on the liability balance caused solely by changes in the discount rate used for actuarial valuations. It demonstrates the sensitivity of the company's balance sheet to broader macroeconomic interest rate environments. This is a vital metric for understanding non-operational volatility in reported earnings.
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