霍勒斯曼恩美股招股说明书(2025-09-25版)

Horace Mann Educators Corporation 4.700% Senior Notes due 2030 We are offering $300,000,000 aggregate principal amount of our 4.700% Senior Notes due 2030 (the“notes”). We will pay interest on the notes semi-annually on April 1 and October 1 of each year. The first suchpayment will be made on April 1, 2026. The notes mature on October 1, 2030. Prior to September 1, 2030 (onemonth prior to their maturity date), we may redeem the notes at our option, in whole or in part, at any time andfrom time to time at the “make-whole” redemption price described herein. On or after September 1, 2030 (onemonth prior to their maturity date), we may redeem the notes, in whole or in part, at any time and from time totime, at a redemption price equal to 100% of the principal amount of the notes being redeemed plus accrued andunpaid interest thereon to the redemption date. Please read the section titled “Description of the Notes − OptionalRedemption.” The notes will be our senior unsecured obligations and will rank equally with all of our existingand future senior indebtedness. The notes will be structurally subordinated to all obligations of our subsidiaries.The notes will be issued only in denominations of $2,000 and integral multiples of $1,000 in excess thereof. The notes are not, and are not expected to be, listed on any securities exchange or included in any automatedquotation system. Currently, there is no public market for the notes. See “Risk Factors” beginning on page S-6to read about important factors you should consider before buyingthe notes. Neither the Securities and Exchange Commission (the “SEC”) nor any state securities commission orother regulatory body has approved or disapproved of these securities or passed upon the adequacy oraccuracy of this prospectus supplement or the accompanying prospectus. Any representation to thecontrary is a criminal offense. Public Offering Price(1)Underwriting discountProceeds, before expenses, to us J.P. Morgan TABLE OF CONTENTS Prospectus Supplement Prospectus ABOUT THIS PROSPECTUSWHERE YOU CAN FIND MORE INFORMATIONINCORPORATION BY REFERENCESPECIAL NOTE ON FORWARD-LOOKING INFORMATIONTHE COMPANYRISK FACTORSUSE OF PROCEEDSDESCRIPTION OF THE DEBT SECURITIESDESCRIPTION OF CAPITAL STOCKDESCRIPTION OF OTHER SECURITIESPLAN OF DISTRIBUTIONVALIDITY OF SECURITIESEXPERTS TABLE OF CONTENTS ABOUT THIS PROSPECTUS SUPPLEMENT We have not authorized anyone to provide any information other than that contained or incorporated byreference in this prospectus supplement, the accompanying prospectus, documents they incorporate byreference or in any free writing prospectus prepared by or on behalf of us or to which we have referred you.We take no responsibility for, and can provide no assurance as to the reliability of, any other information thatothers may give you. This prospectus supplement and the accompanying prospectus may only be used whereit is legal to offer and sell these securities. The information in this prospectus supplement and theaccompanying prospectus may only be accurate as of their respective dates. The distribution of this prospectus supplement and the accompanying prospectus and the offering of the notesin certain jurisdictions may be restricted by law. Persons into whose possession this prospectus supplement and theaccompanying prospectus come should inform themselves about and observe any such restrictions. This prospectussupplement and the accompanying prospectus do not constitute, and may not be used in connection with, an offer orsolicitation by anyone in any jurisdiction in which such offer or solicitation is not authorized or in which the personmaking such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to make such offeror solicitation. Unless we have indicated otherwise, references in this prospectus supplement to “Horace Mann,” “theCompany,” “we,” “us” and “our” or similar terms are to Horace Mann Educators Corporation, aDelawarecorporation, and its consolidated subsidiaries. TABLE OF CONTENTS FORWARD-LOOKING STATEMENTS This prospectus supplement, the accompanying prospectus and the documents incorporated herein and thereinby reference contain statements that are forward-looking. Statements that are not historical in nature are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995 and are subject to known andunknown risks, uncertainties and other factors. We want to caution readers that these statements may change basedon various factors, and are subject to known and unknown risks and uncertainties. These forward-looking statementsare based on current expectations and assumptions that are subject to risks and uncertainties and actual results coulddiffer materially. Words such as “may”, “will”, “estimate”, “target”, “project”, “plan”, “believe”, “expect”,“anticipate”, “intend” and similar expressions may identify such forward-looking statements. We are an insuranceholding com