Full-year 2020 Investor Presentation February 3, 2020 Information as of December 31, 2020; slides 25 and 37 updated on February 26, 2021 Safe Harbor Statement and Non-GAAP Measures Certain statements made in this presentation should be considered forward-looking as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements are related to our intentions, beliefs, projections, estimations or forecasts of future ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission file number 1-10890 HORACE MANN EDUCATORS CORPORATION (Exact name of registrant as specified in its charter) (State or other jurisdiction of incor ...

Financial Data and Key Metrics Changes - The company reported fourth quarter core earnings of $1.13 per diluted share, a significant increase over the prior year, contributing to full-year 2020 core earnings of $3.40 per diluted share, more than 50% higher than the prior year and the highest annual core earnings ever [9][32] - Core return on equity increased to 10.5%, up from 7.3% in 2019 [9] Business Line Data and Key Metrics Changes - Property and Casualty (P&C) core earnings were up 40.9% for the year, reflecting a 3.8-point improvement in the reported combined ratio [35] - Supplemental segment added $130.7 million in premiums and $43.1 million to core earnings, with premium persistency rising to 90.5% [48] - Life segment core earnings were on track with expectations at $10.2 million, with sales below last year in the fourth quarter [52] Market Data and Key Metrics Changes - Premiums for the P&C segment were down about 7% due to lower new sales and pandemic-related premium credits [36] - Annuity contract deposits were up 4.5% for the year, indicating continued interest from educator customers [56] Company Strategy and Development Direction - The company is focused on leveraging strategic enhancements made over the past several years to optimally position for growth, including the rollout of a new P&C administration system and the integration of Supplemental agents [21][22] - The commitment to diversity, equity, and inclusion was emphasized, with initiatives such as establishing a DEI Council and unconscious bias training for leaders [27][29] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in returning to growth post-pandemic, citing strategic initiatives and improved relationships with the education community [70][81] - The guidance for 2021 core earnings per share is in the range of $3.00 to $3.20, reflecting expectations for recovery from pandemic effects and continued progress on strategic initiatives [19][34] Other Important Information - The company highlighted the importance of adapting to the changing educational environment and providing solutions to educators facing challenges due to the pandemic [12][17] - The company reported a commitment to capital generation and shareholder value creation, with plans for dividends and opportunistic share buybacks [64] Q&A Session Summary Question: Growth post-pandemic - Management discussed the focus on growth and the strategic initiatives in place to leverage a leadership position within the education market [68][71] Question: ROE definition and guidance - ROE is calculated based on fixed income realized gains and average equity, with guidance reflecting targeted capital levels [82][84] Question: Recovery in claim frequency - Management expects a gradual recovery in claim frequency and growth in both P&C and Supplemental segments throughout 2021 [87][88] Question: Impact of behavioral changes on Supplemental products - Management noted that the pandemic has influenced behavior but believes the need for coverage will remain stable [95][98] Question: Physical versus virtual school environments - Management indicated that while schools are operating in various environments, there is a strong belief in the necessity of physical education [104][106] Question: Catastrophe loss assumptions - The higher catastrophe load assumption for 2021 is based on historical averages and recent experiences, not on early 2021 data [108][109]

Full-year 2020 Investor Presentation February 3, 2020 Information as of December 31, 2020 Safe Harbor Statement and Non-GAAP Measures Certain statements made in this presentation should be considered forward-looking as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements are related to our intentions, beliefs, projections, estimations or forecasts of future events or our future financial performance and ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission file number 1-10890 (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organizat ...

Horace Mann Educators Corporation (NYSE:HMN) Q3 2020 Earnings Conference Call November 3, 2020 9:00 AM ET Company Participants Heather Wietzel - VP, IR Marita Zuraitis - President and CEO Bret Conklin - EVP and CFO Mark Desrochers - SVP and Chief Corporate Actuary Conference Call Participants John Barnidge - Piper Sandler Matt Carletti - JMP Securities Gary Ransom - Dowling & Partners Meyer Shields - KBW John Barnidge - Piper Sandler Operator Good morning, and welcome to Horace Mann Educators Third Quarter ...

Third Quarter 2020 Investor Presentation November 3, 2020 Information as of September 30, 2020 Safe Harbor Statement and Non-GAAP Measures Certain statements made in this presentation should be considered forward-looking as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements are related to our intentions, beliefs, projections, estimations or forecasts of future events or our future financial performance ...

Horace Mann Educators Corporation (NYSE:HMN) Q2 2020 Earnings Conference Call August 7, 2020 9:00 AM ET Company Participants Heather Wietzel - VP, IR Marita Zuraitis - President & CEO Bret Conklin - EVP & CFO Mark Desrochers - SVP & Chief Corporate Actuary Ryan Greenier - SVP Finance Conference Call Participants Matt Carletti - JMP Securities John Barnidge - Piper Sandler Meyer Shields - KBW Gary Ransom - Dowling & Partners Operator Good morning and welcome to the Horace Mann Second Quarter 2020 Results Con ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission file number 1-10890 HORACE MANN EDUCATORS CORPORATION (Exact name of registrant as specified in its charter) Delaware 37-0911756 (State or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission file number 1-10890 HORACE MANN EDUCATORS CORPORATION (Exact name of registrant as specified in its charter) Delaware 37-0911756 (State or ...