霍勒斯曼恩 2024年度报告

☐ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31, 2024or☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934For the transition period from ______ to ______Commission file number 1-10890HORACE MANN EDUCATORS CORPORATION (Exact name of registrant as specified in its charter) Delaware37-0911756(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)1 Horace Mann Plaza, Springfield, Illinois 62715-0001(Address of principal executive offices) (Zip Code)Registrant's Telephone Number, Including Area Code: 217-789-2500Securities Registered Pursuant to Section 12(b) of the Act: Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes☐No☐Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes☐No☐Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file suchreports), and (2) has been subject to such filing requirements for the past 90 days. Yes☐No☐Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period thatthe registrant was required to submit such files). Yes☐No☐Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smallerreporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of theeffectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) bythe registered public accounting firm that prepared or issued its audit report.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of theregistrant included in the filling reflect the correction of an error to previously issued financial statements.☐Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☐ The aggregate market value of the registrant's Common Stock held by non-affiliates of the registrant based on the closing price ofthe registrant's Common Stock on the New York Stock Exchange and the shares outstanding on June 30, 2024, was $1,278.4million.As of February 14, 2025, the registrant had 40,871,981 shares of Common Stock, par value $0.001 per share, outstanding. Documents Incorporated by Reference Certain portions of the registrant's Proxy Statement for the 2025 Annual Meeting of Shareholders are incorporated by reference intoPart III Items 10, 11, 12, 13 and 14 of this Form 10-K as specified in those Items and will be filed with the Securities and ExchangeCommission within 120 days after December 31, 2024. HORACE MANN EDUCATORS CORPORATIONFORM 10-KYEAR ENDED DECEMBER 31, 2024INDEX PartItemPageI1.Business1Introduction1Forward-looking Information1Overview, History and Available Information1Corporate Strategy2Human Capital Resources4Reporting Segments6Investments17Cash Flow19Regulation20Changing Climate Conditions22Enterprise Risk Management231A.Risk Factors241B.Unresolved Staff Comments371C.Cybersecurity372.Properties383.Legal Proceedings384.Mine Safety Disclosures38II5.Market for Registrant's Common Equity, Related Stockholder Mattersand Issuer Purchases of Equity Securities396.[Reserved]417.Management's Discussion and Analysis of Financial Condition and Results ofOperations42Introduction42Consolidated Financial Highlights43Consolidated Results of Operations44Outlook for 202546Application of Critical Accounting Estimates46Results of Operations by Segment51 Investment Results58Liquidity and Capital Resources61Future Adoptio