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Horace Mann Educators HMN Whole Life — Actual variances from expected experience
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience.
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) |
|---|---|---|---|---|---|---|
| April 1, 2026 balance at original discount rate | 252.4 | 259.9 | 63.2 | 35.9 | 215.7 | — |
| Effect of: | ||||||
| Change in cash flow assumptions | — | — | — | — | — | — |
| Actual variances from expected experience | (0.4) | (0.1) | (0.8) | — | 1.4 | — |
| Adjusted balance at April 1, 2026 | 252.0 | 259.8 | 62.4 | 35.9 | 217.1 | — |
| Issuances(3) | 2.8 | 5.5 | — | 0.5 | 4.7 | — |
| 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) | — |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's whole life — actual variances from expected experience?
- Horace Mann Educators (HMN) reported whole life — actual variances from expected experience of -$400K in Q1 2026.
- How has Horace Mann Educators's whole life — actual variances from expected experience changed year-over-year?
- Horace Mann Educators's whole life — actual variances from expected experience decreased by 121.1% year-over-year, from $1.9M to -$400K.
- What does whole life — actual variances from expected experience mean?
- This metric measures the difference between projected actuarial outcomes and the actual experience observed in the Whole Life segment. It highlights the effectiveness of the company's underwriting and pricing models in predicting real-world policyholder behavior. Consistent variances may signal a need for adjustments to premium pricing or reserve adequacy strategies.
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