Horace Mann Educators Corporation
horacemann.comWhat Do They Do?
Sells personal insurance, retirement products and employee benefits to educators, school districts and other public-sector employers.
10-K for FY2025, filed Feb 27, 2026Today, we are proud to be the largest multiline financial services company focused on helping America’s educators and others who serve…View ↗
Individual protection and savings solutions include auto insurance, property insurance, liability insurance, 403(b) retirement plans…View ↗
In addition, Horace Mann offers a wide range of employee benefit protection products, including life, disability, accident, hospital…View ↗
In parallel, broker partners and benefit specialists provide employer-sponsored solutions through school districts and other public-sector…View ↗
How Do They Make Money?
$1.7B
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10-K for FY2025, filed Feb 27, 2026
$1.7B ↗
Who Are Their Customers?
Educators can buy individual products through exclusive agents or connect with Horace Mann online and by phone. School districts and other public-sector employers work with broker partners and benefit specialists on employer-sponsored solutions.
10-K for FY2025, filed Feb 27, 2026Our model provides educators with choice and high-quality, expert consultation. For individual products and solutions, educators may choose…View ↗
In parallel, broker partners and benefit specialists provide employer-sponsored solutions through school districts and other public-sector…View ↗
Digital capabilities play a complementary role in our distribution strategy, enabling educators to easily and efficiently research…View ↗
Our Coverage Consultation Center provides centralized expertise that supports both customers and agents. The Center serves educators who…View ↗
We market our products primarily to K-12 teachers, administrators and other employees of public schools and their families, whether they…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 10 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Feb 27, 2026
How Are They Changing?
Growing. Revenue grew 28% in 4 years, from $1.3B in FY2021 to $1.7B in FY2025, about 6% a year.
Who Do They Compete With?
Competes with Allstate, Farmers, Liberty Mutual, Nationwide, State Farm, GEICO, Progressive, and USAA
10-K for FY2025, filed Feb 27, 2026Competition in this market for personal protection products is from a number of national providers of personal lines insurance, including…View ↗
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