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Horace Mann Educators HMN Whole Life — Interest accretion rate

Other product segments

Experience life
6.1%0.0%
Term Life
4.3%+2.4%
SPIA (life contingent)
4.1%0.0%
Limited-Pay Whole Life
4%0.0%

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$18M-5.3%

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$2.04B+18.8%
Enterprise value$2.61B+17.0%
P/E12.4×-2.6×
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 whole life — interest accretion rate?
Horace Mann Educators (HMN) reported whole life — interest accretion rate of 4.8% in Q1 2026.
How has Horace Mann Educators's whole life — interest accretion rate changed year-over-year?
Horace Mann Educators's whole life — interest accretion rate decreased by 0.0% year-over-year, from 4.8% to 4.8%.
What is the long-term trend for Horace Mann Educators's whole life — interest accretion rate?
Over 3 years (2022 to 2025), Horace Mann Educators's whole life — interest accretion rate has grown at a -1.2% compound annual growth rate (CAGR), from 19.9% to 19.2%.
What does whole life — interest accretion rate mean?
The rate at which interest is accrued on the liability for future policy benefits for the whole life segment. This rate reflects the growth of the policy reserve over time as the policy approaches maturity. It is a fundamental component of the interest expense and the overall cost of capital for the insurance product.