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Horace Mann Educators HMN Term Life — Expected future gross premiums, discounted

Other product segments

Experience life
$252M-8.0%
Limited-Pay Whole Life
$55.2M+2.4%
SPIA (life contingent)
$0

Similar metrics at other companies

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KMPRTerm Life Insurance — Expected Future Gross Premiums, discounted
$2.62B-2.1%
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CINFTerm Life Insurance — Discounted expected future gross premiums
$2.74B+3.0%
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KMPRTerm Life Insurance — Expected Future Gross Premiums, undiscounted
$3.89B-2.7%
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PRUTerm Life — Discounted expected future gross premiums (at original discount rate)
$15.53B-0.5%
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CRBGLife Insurance — Discounted expected future gross premiums (at current discount rate)
$12.68B-10.4%
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CINFTerm Life Insurance — Undiscounted expected future gross premiums
$4.73B+3.6%

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

See full
Net margin9.6%+2.6pp

Returns & leverage

See full
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:LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance.

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 term life — expected future gross premiums, discounted?
Horace Mann Educators (HMN) reported term life — expected future gross premiums, discounted of $451.8M in Q1 2026.
How has Horace Mann Educators's term life — expected future gross premiums, discounted changed year-over-year?
Horace Mann Educators's term life — expected future gross premiums, discounted decreased by 2.8% year-over-year, from $464.8M to $451.8M.
What is the long-term trend for Horace Mann Educators's term life — expected future gross premiums, discounted?
Over 2 years (2023 to 2025), Horace Mann Educators's term life — expected future gross premiums, discounted has grown at a -0.3% compound annual growth rate (CAGR), from $1.86B to $1.84B.
What does term life — expected future gross premiums, discounted mean?
The present value of all future gross premiums expected to be collected from the term life insurance segment, adjusted for the time value of money. By discounting these future cash flows, the company provides a more accurate assessment of the current economic value of the premium stream. This metric is essential for evaluating the long-term profitability and solvency of the insurance product line.