---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-23-001486"
form_type: "8-K"
ticker: "HMN"
cik: "0000850141"
company_name: "HORACE MANN EDUCATORS CORP /DE/"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:19:18.239719+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Horace Mann expects Q4 P&C segment loss of $25-29M after tax from weather and reserve hikes

## Summary
- Q4 P&C segment loss estimated at $25M-$29M after tax, driven by severe weather and higher loss costs.
- Winter Storm Elliott caused ~$8M pretax property losses across 30+ states in late December.
- Adding ~$14M pretax to prior-year P&C reserves and ~$5M to reserves for first three quarters of 2022.
- Company accelerating rate increases and non-rate underwriting actions to restore profitability.
- Full Q4 and FY 2022 results to be released Feb. 7; investor call Feb. 8.

## SEC filing metadata
- accession: 0001628280-23-001486
- form_type: 8-K
- ticker: HMN
- cik: 0000850141
- company_name: HORACE MANN EDUCATORS CORP /DE/
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/850141/000162828023001486/0001628280-23-001486-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828023001486/hmn-20230124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-001486
- JSON: https://secwatch.observer/filing/0001628280-23-001486.json
- Plain text: https://secwatch.observer/filing/0001628280-23-001486.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported preliminary financial results for fourth quarter 2022.
  - Period: fourth quarter 2022
  - Result: preliminary results
  source text: On January 24, 2023, the Company issued a news release announcing preliminary fourth quarter 2022 Property & Casualty segment results.
  evidence_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023001486/0001628280-23-001486-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.