---
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"
generated_at: "2026-06-13T05:59:54.023526+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann sees Q2 core EPS $0.01-$0.03 on $41-$43M catastrophe losses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-025262
- JSON: https://secwatch.observer/filing/0001628280-23-025262.json
- Plain text: https://secwatch.observer/filing/0001628280-23-025262.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported preliminary financial results for the three months ended June 30, 2023.
  - Period: the three months ended June 30, 2023
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023025262/0001628280-23-025262-index.htm

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