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Horace Mann Educators HMN Whole Life — Beginning balance at original discount rate
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance.
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) |
|---|---|---|---|---|---|---|
| Issuances | 2.8 | 5.6 | — | 0.5 | 4.7 | — |
| Interest accruals | 5.4 | 4.5 | 11.1 | 1.1 | 3.5 | 1.0 |
| Benefit payments(6) | (7.0) | (5.2) | (16.1) | (0.9) | (9.1) | (2.9) |
| 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) |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's whole life — beginning balance at original discount rate?
- Horace Mann Educators (HMN) reported whole life — beginning balance at original discount rate of $616.5M in Q2 2026.
- How has Horace Mann Educators's whole life — beginning balance at original discount rate changed year-over-year?
- Horace Mann Educators's whole life — beginning balance at original discount rate decreased by 0.9% year-over-year, from $622.1M to $616.5M.
- What is the long-term trend for Horace Mann Educators's whole life — beginning balance at original discount rate?
- Over 2 years (2023 to 2025), Horace Mann Educators's whole life — beginning balance at original discount rate has grown at a 3.0% compound annual growth rate (CAGR), from $2.36B to $2.5B.
- What does whole life — beginning balance at original discount rate mean?
- This represents the opening actuarial liability balance for the whole life insurance segment, calculated using the original discount rate established at contract inception. It serves as the baseline for tracking long-term policy obligations before accounting for subsequent economic or assumption changes. Monitoring this balance helps investors understand the core valuation of the insurance portfolio's long-term commitments.
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