Horace Mann Educators HMN Whole Life — Lapses, expected experience

Similar metrics at other companies

CINFWhole Life Insurance — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment

$8M-20.0%

APOWhole Life — Future policy benefits

$2.32B+22.9%

APOWhole Life — Liability for Future Policy Benefit, Expected Net Premium, Original Discount Rate, before Cash Flow and Reinsurance

$1.3B+53.1%

APOWhole Life — Interest accrual

$43M+153%

CINFWhole Life Insurance — Undiscounted expected future benefit payments

$1.76B+2.3%

APOWhole Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change

$3.63B+31.5%

Questions, answered.

What is Horace Mann Educators's whole life — lapses, expected experience?

Horace Mann Educators (HMN) reported whole life — lapses, expected experience of 3.3% in Q1 2026.

How has Horace Mann Educators's whole life — lapses, expected experience changed year-over-year?

Horace Mann Educators's whole life — lapses, expected experience decreased by 10.8% year-over-year, from 3.7% to 3.3%.

What is the long-term trend for Horace Mann Educators's whole life — lapses, expected experience?

Over 3 years (2022 to 2025), Horace Mann Educators's whole life — lapses, expected experience has grown at a -13.3% compound annual growth rate (CAGR), from 23.2% to 15.1%.

What does whole life — lapses, expected experience mean?

Represents the projected rate of policy terminations used in the actuarial modeling for the whole life insurance portfolio. This assumption is critical for determining reserve levels and the amortization of acquisition costs. It reflects the company's long-term expectations regarding customer behavior and policy persistency.