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Horace Mann Educators HMN Reserve for insurance claims

Reserve for insurance claims at other companies

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Segments

By product

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Experience life$720.5M-3.8%
Term Life$122.3M+3.7%
SPIA (life contingent)$89.3M-4.6%
Other$80.3M-6.7%
Cancer$64.4M-10.7%
Limited-Pay Whole Life$52.7M+0.8%

By segment

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Property & Casualty$406.9M-2.4%

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-1.1%

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 reserve for insurance claims?
Horace Mann Educators (HMN) reported reserve for insurance claims of $573.8M in Q1 2026.
How has Horace Mann Educators's reserve for insurance claims changed year-over-year?
Horace Mann Educators's reserve for insurance claims decreased by 0.6% year-over-year, from $577.1M to $573.8M.
What is the long-term trend for Horace Mann Educators's reserve for insurance claims?
Over 5 years (2020 to 2025), Horace Mann Educators's reserve for insurance claims has grown at a 5.2% compound annual growth rate (CAGR), from $438.8M to $565.2M.
What does reserve for insurance claims mean?
This liability represents the estimated total cost of all insurance claims that have been incurred but not yet fully settled, including both reported claims and those incurred but not reported (IBNR). It is the most critical measure of an insurer's underwriting discipline and the accuracy of its loss projections. Significant deviations in this reserve can materially impact reported profitability.