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Horace Mann Educators HMN Term Life — Interest accretion rate

Other product segments

Experience life
6.1%0.0%
SPIA (life contingent)
4.1%0.0%
Limited-Pay Whole Life
4%0.0%

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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$2.05B-1.1%
Enterprise value$2.62B+1.6%
P/E12.4×-5.7×
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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 — interest accretion rate?
Horace Mann Educators (HMN) reported term life — interest accretion rate of 4.3% in Q1 2026.
How has Horace Mann Educators's term life — interest accretion rate changed year-over-year?
Horace Mann Educators's term life — interest accretion rate increased by 2.4% year-over-year, from 4.2% to 4.3%.
What is the long-term trend for Horace Mann Educators's term life — interest accretion rate?
Over 3 years (2022 to 2025), Horace Mann Educators's term life — interest accretion rate has grown at a -1.0% compound annual growth rate (CAGR), from 17.4% to 16.9%.
What does term life — interest accretion rate mean?
The rate at which interest is accrued on the liability for future policy benefits, reflecting the time value of money inherent in long-term insurance obligations. This rate is used to increase the carrying value of the liability over time as the expected benefit payment date approaches. It is a fundamental component of the actuarial calculation for insurance reserves.