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Horace Mann Educators HMN Term Life — Net liability for future policy benefits
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefits.
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) |
|---|---|---|---|---|---|---|
| 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) |
| Net liability for future policy benefits, after reinsurance recoverable | 223.5 | 127.1 | 717.2 | 54.5 | 183.8 | 87.5 |
| Impact of flooring on net liability for future policy benefits | — | — | — | — | — | — |
| Net liability for future policy benefits at June 30, 2026 | $223.5 | $127.1 | $717.2 | $54.5 | $183.8 | $87.5 |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's term life — net liability for future policy benefits?
- Horace Mann Educators (HMN) reported term life — net liability for future policy benefits of $148.4M in Q2 2026.
- How has Horace Mann Educators's term life — net liability for future policy benefits changed year-over-year?
- Horace Mann Educators's term life — net liability for future policy benefits increased by 5.2% year-over-year, from $141M to $148.4M.
- What is the long-term trend for Horace Mann Educators's term life — net liability for future policy benefits?
- Over 2 years (2023 to 2025), Horace Mann Educators's term life — net liability for future policy benefits has grown at a 8.1% compound annual growth rate (CAGR), from $484.1M to $565.6M.
- What does term life — net liability for future policy benefits mean?
- The total net obligation for future policy benefits after accounting for expected future premiums and reinsurance arrangements. This metric represents the core reserve requirement for the term life segment, indicating the company's long-term financial commitment to policyholders. It is a primary indicator of the segment's overall solvency and reserve adequacy.
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