{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-025262","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.784238+00:00","generated_at":"2026-06-13T05:59:54.023526+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horace Mann sees Q2 core EPS $0.01-$0.03 on $41-$43M catastrophe losses","bullets":["Q2 2023 core EPS expected $0.01-$0.03; catastrophe losses $41-$43M pretax (26-27 pts of combined ratio).","Full-year 2023 core EPS guidance maintained at $1.20-$1.45; catastrophe loss estimate raised to $95-$100M.","Auto rate increases since 2022 total ~15% nationwide; full-year impact expected ~20%.","Property average renewal premiums expected to rise 17%-20% in 2023 due to rate actions.","Worksite and Life & Retirement businesses remain strong, offsetting P&C weather impact."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-025262","json":"https://secwatch.observer/filing/0001628280-23-025262.json","markdown":"https://secwatch.observer/filing/0001628280-23-025262.md","text":"https://secwatch.observer/filing/0001628280-23-025262.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828023025262/0001628280-23-025262-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828023025262/hmn-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:59:54.023526+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"495efe434f0f331c9da8224f3573c9307962426f","claim":"HORACE MANN EDUCATORS CORP /DE/ reported preliminary financial results for the three months ended June 30, 2023.","evidence_excerpt":"On July 20, 2023, the Company issued a news release estimating core earnings and the financial impact from severe weather events for the three months ended June 30, 2023, and updated full-year guidance.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/850141/000162828023025262/0001628280-23-025262-index.htm","confidence":0.85,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}