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Horace Mann Educators HMN Whole Life — Effect of changes in discount rate assumptions
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Where this comes from
Reported directly by Horace Mann Educators in its filing.
Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.
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) |
|---|---|---|---|---|---|---|
| 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) | — |
| June 30, 2026 balance at original discount rate | 250.8 | 261.3 | 61.6 | 35.6 | 216.6 | — |
| Effect of changes in discount rate assumptions | (29.4) | (16.8) | 1.4 | (1.9) | (27.6) | — |
| Balance at June 30, 2026 | 221.4 | 244.5 | 63.0 | 33.7 | 189.0 | — |
| Present value of expected future policy benefits: | ||||||
| Balance at April 1, 2026 | 496.8 | 386.0 | 786.0 | 88.1 | 375.0 | 93.4 |
| April 1, 2026 balance at original discount rate | 615.8 | 432.5 | 757.1 | 118.5 | 463.9 | 101.7 |
Item 1. Consolidated Financial Statements
FAQ
- What is Horace Mann Educators's whole life — effect of changes in discount rate assumptions?
- Horace Mann Educators (HMN) reported whole life — effect of changes in discount rate assumptions of -$29.4M in Q2 2026.
- How has Horace Mann Educators's whole life — effect of changes in discount rate assumptions changed year-over-year?
- Horace Mann Educators's whole life — effect of changes in discount rate assumptions increased by 3.0% year-over-year, from -$30.3M to -$29.4M.
- What is the long-term trend for Horace Mann Educators's whole life — effect of changes in discount rate assumptions?
- Over 2 years (2023 to 2025), Horace Mann Educators's whole life — effect of changes in discount rate assumptions has grown at a 0.3% compound annual growth rate (CAGR), from -$119.5M to -$120.3M.
- What does whole life — effect of changes in discount rate assumptions mean?
- This metric isolates the financial impact of updating the discount rate used to calculate the present value of future policy benefits. Because life insurance liabilities are highly sensitive to interest rates, this figure quantifies the volatility introduced by market fluctuations. It is a key indicator of how sensitive the company's balance sheet is to the broader interest rate environment.
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