# EDGAR Filing Document

**Accession Number:** 0000110698
**File Stem:** 0001193125-26-194269
**Filing Date:** 2026-4
**Character Count:** 46181
**Document Hash:** 2c1c4721b841281e3d1c21e8396a2c80
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-194269.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-194269

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HORACE MANN LIFE INSURANCE CO SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000110698

**ORGANIZATION NAME:**
- **EIN:** 370726637
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-215819
- **FILM NUMBER:** 26920380

**BUSINESS ADDRESS:**
- **STREET 1:** #1 HORACE MANN PLZ
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62715-0001
- **BUSINESS PHONE:** 2177892500

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 4657
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62708-4657

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MANN HORACE LIFE INSURANCE CO SEPARATE ACCOUNT
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### MANN HORACE LIFE INSURANCE CO SEPARATE ACCOUNT (Series ID: S000001088)

| Class ID   | Class Name                                                                                                       | Ticker Symbol   |
|:---|:---|:---|
| C000182313 | Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract |  |

Summary Prospectus for New Investors

for Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract

Issued by

Horace Mann Life Insurance Company

May 1, 2026

This Summary Prospectus summarizes key features of the Contract ("Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract"). Before you invest, You should also review the prospectus for the Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract, which contains more information about the Contract, including its features, benefits, and risks. You can find the prospectus and other information about the Contract online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also obtain this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com.

**You may cancel Your Contract within 30 days of receiving it without paying fees or penalties.** In some states, this cancellation period may be longer. Upon cancellation, You will receive any Variable Account Value plus, any fees or charges deducted from the portion of the premium payment(s) allocated to the Variable Account, plus any premium payments allocated to the fixed account. This amount will be reduced by any withdrawals, excluding surrender charges, if applicable, and any outstanding loan balance. If You live in California, return Your Contract within 30 days, and do not direct Your premium to be invested in a stock or bond portfolio, You will be entitled to a refund of the premium and any policy fee paid. If You direct that the premium be invested in a stock or bond portfolio, You will be entitled to a refund of the policy's Account Value on the day the policy is received by the insurance company or agent who sold You this policy, which could be less than the premium You paid for the policy, plus any policy fee paid. We will pay the refund within 10 calendar days after We receive the Contract. Upon return of the Contract, it will be deemed void. You should review the prospectus, or consult with Your investment professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The Securities and Exchange Commission has not approved or disapproved this contract or passed upon the adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.**

To receive prospectuses and other annuity-related documents electronically, sign-up for eDelivery. Visit <u>https://customer.horacemann.com/MyAccount/Login/Login</u> to register or log in to Your account. Your eDelivery preferences can be found on the **eCommunications tab** in **My Profile**.

This prospectus and the Underlying Fund prospectuses are also available online at <u>dfinview.com/HoraceMann/TAHD/PRPQ</u>.

We appreciate Your cooperation as we work to reduce the volume of paper we distribute. While we're committed to providing you with the information you need in the format you prefer, we are always looking for ways to reduce paper use.

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**Contents** 

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| | |
|:---|:---|
| Contents | 2 |
| [Definitions](#xx_d7b4222b-f8a8-4cb2-b6aa-314a1a5bd139_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_1) | 5  |
| [Overview of the Contract](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_3) | 7  |
| [Benefits Available Under the Contract](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_4) | 8  |
| [Buying the Contract](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_5) | 9  |
| [Making Withdrawals](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_6)[: Accessing the Money in Your Contract](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_6) | 10  |
| [Additional Information About Fees](#xx_fc116d01-6ca0-4eda-a202-3f586ab78938_7) | 11  |
| [Appendix A: Investment Options Available Under the Contract](#xx_a4b64de6-b1a8-472d-a269-2e4c14b641d8_1) | 13 |

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**Definitions**

**Account Value:** The sum of the Fixed Account Value and the Variable Account Value.

**Accumulation Unit:** A unit of measurement used to determine the value of a Contract Owner's interest in a Subaccount before Annuity Payments begin.

**Accumulation Unit Value:** The value of an Accumulation Unit on any Valuation Date.

**Annuity Date:** The date Annuity Payments begin. The criteria for setting an Annuity Date are set forth in Your Contract, and the anticipated Annuity Date is shown on the Annuity Data pages of Your Contract.

In addition, Qualified Contracts often have certain limitations upon election of an Annuity Date. Generally, distributions under Qualified Contracts (except Roth IRAs) must begin by April 1 following the calendar year in which the Contract Owner reaches age 73. See "Tax Consequences --- Required Minimum Distributions."

**Annuity Payments:** A series of payments beginning on the Annuity Date.

**Annuity Period:** The period during which Annuity Payments are made.

**Contract:** The individual flexible premium deferred variable annuity contract this prospectus offers.

**Contract Anniversary:** The same day and month as the Issue Date of Your Contract for each succeeding year of Your Contract.

**Contract Owner (You, Your):** The individual or entity to whom the Contract is issued.

**Contract Year:** A period of twelve months beginning on the date a Contract is issued and each anniversary of that date.

**HMLIC, We, Us, Our:** Horace Mann Life Insurance Company.

**Home Office:** The mailing address and telephone number of Our Home Office are: P.O. Box 4657, Springfield, Illinois 62708-4657; (800) 999-1030. Our street address is 1 Horace Mann Plaza, Springfield, Illinois 62715-0001.

**Investment Options:** The fixed account and the Underlying Funds in which the Subaccounts invest.

**Net Premium:** Each premium payment paid to HMLIC under the Contract, less any applicable premium taxes.

**Qualified Retirement Plan**: Employer retirement plans established under Internal Revenue Code (IRC) Sections 401(a) or 403(b) or 457(b) and individual retirement arrangements under IRC Sections 408(b) and 408A.

**Required Minimum Distribution**: The amount required to be withdrawn from Your Contract after You reach age 73 or upon Your death. "See Tax Consequences – Required Minimum Distributions".

**Separate Account:** The Horace Mann Life Insurance Company Separate Account, a segregated variable investment account consisting of Subaccounts each of which invests in a corresponding Underlying Fund. The Separate Account was established by HMLIC under Illinois law and is registered as a Unit Investment Trust under the Investment Company Act of 1940, as amended (the "Act").

**Subaccount:** A division of the Separate Account that invests in shares of a corresponding Underlying Fund.

**Underlying Funds, Portfolio Companies:** All open-end management investment companies registered under the Act that are listed in this document and are available for investment by the Separate Account. The terms Underlying Funds and Portfolio Companies are used interchangeably in this prospectus.

**Unit Investment Trust (or "UIT"):** A type of investment company, regulated and separately registered and regulated by the SEC under the Investment Company Act of 1940. The Separate Account is registered as a UIT. The UIT referenced in this prospectus is open-ended, meaning there can be continuous purchases of shares of the Underlying Funds. Variable Annuity Payments are deposited in the UIT and allocated to the Subaccounts each of which invests in a specified Underlying Fund, which is separately registered under the Investment Company Act of 1940.

**Valuation Date:** Any day on which the NYSE is open for trading and on which the net asset value of each share of the Underlying Funds is determined. The Valuation Date ends at 3:00 p.m. Central Time, or the close of the NYSE, if earlier. We deem receipt of any Net Premium or request to occur on a particular Valuation Date if We receive the Net Premium or transaction request

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(in either case, with all required information and documentation) at Our Home Office before 3:00 p.m. Central Time, or the close of the NYSE if earlier, on that day. If received at or after 3:00 p.m. Central Time, or the close of the NYSE if earlier, We deem receipt to occur on the following Valuation Date.

**Variable Account Value:** The dollar value of the Subaccount(s) under the Contract before Annuity Payments begin. This dollar value will vary based on the investment performance of the corresponding Underlying Fund(s).

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**Important Information You Should Consider About the Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** **Location in** **Statutory** **Prospectus** 

&nbsp;&nbsp;&nbsp;&nbsp;**Risks** 

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| | | |
|:---|:---|:---|
| **Is this a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp; **No.** This Contract is not designed for short-term investing and is not <br> appropriate for an investor who needs ready access to cash.<br> The benefits of tax deferral also mean the Contract is more beneficial to <br> investors with a long-time horizon. | &nbsp;&nbsp; **Location in** <br> **Statutory**<br> **Prospectus<u>Principal</u>** <br> **<u>Risks of Investing</u>** <br> **<u>in the Contract –</u>** <br> **<u>Not a Short-term</u>** <br> **<u>Investment</u>**<br>|
| **What Are the Risks** <br> **Associated with the** <br> **Investment Options**?<br>| &nbsp;&nbsp; An investment in this Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the Investment <br> Options available under the Contract (e.g., Portfolio Companies).<br> Each Investment Option (including any fixed account Investment Option) <br> will have its own unique risks.<br> You should review these Investment Options before making an investment <br> decision. | &nbsp;&nbsp; Principal Risks of <br> Investing in the <br> Contract – Risks <br> Associated with <br> Investment Options<br>|
| **What Are the Risks** <br> **Related to the** <br> **Insurance Company?**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to Horace Mann <br> Life Insurance Company (HMLIC). Any obligations (including under any <br> fixed account Investment Options), guarantees, or benefits are subject to the <br> claims-paying ability of HMLIC. More information about HMLIC, including <br> its financial strength ratings, is available upon request from HMLIC, and may <br> be obtained by calling 1-800-999-1030 or visiting http://<br> www.horacemann.com/why-us/a-history-of-financial-strength. | &nbsp;&nbsp; Principal Risks of <br> Investing in the <br> Contract – <br> Insurance <br> Company Risks<br>|
|  | **Restrictions** |  |
| **Are There Restrictions** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp; **Yes.** HMLIC reserves the right to remove or substitute Underlying Funds as <br> Investment Options that are available under the Contract.<br> At any time before the Contract's Annuity Date, You may transfer amounts <br> from one Subaccount to another, and to and from the fixed account of the <br> Contract, subject to certain restrictions.<br> We reserve the right to restrict or terminate the transfer privilege for any <br> specific Contract Owner if, in Our judgment, the Contract Owner is using the <br> Contract for the purposes of market timing or for any other purpose that We, <br> in Our sole discretion determine to be potentially detrimental to other <br> shareholders of an Underlying Fund. <br> If HMLIC determines that You are engaging in a pattern of transfers that <br> reflects a market timing strategy or is potentially harmful to other Contract <br> Owners, it will notify You in writing of any restrictions. | &nbsp;&nbsp; Horace Mann Life <br> Insurance <br> Company - The <br> Fixed Account - <br> The Separate <br> Account and the <br> Portfolio <br> Companies - The <br> Portfolio <br> Companies - <br> Selection of <br> Portfolio <br> Companies<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> The Contract - <br> Transactions - <br> Transfers<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> The Contract - <br> Transactions - <br> Market Timing<br>|
| **Are There any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| **No** optional benefits are available. |  |
|  | **Taxes** |  |
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp; An investor should consult with a tax professional to determine the tax <br> implications of an investment in and purchase payments received under the <br> Contract. There is no additional tax benefit to the investor when the Contract <br> is purchased through a tax-qualified plan or individual retirement account <br> (IRA). Withdrawals will be subject to ordinary income tax and may be subject <br> to tax penalties. | &nbsp;&nbsp; Tax Consequences - <br> Taxation of <br> Qualified Contracts<br>|

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| | | |
|:---|:---|:---|
|  | **Conflicts of Interest** | &nbsp;&nbsp; **Location in** <br> **Statutory**<br> **Prospectus**<br>|
| **How Are Investment** <br> **Professional** <br> **Compensated?**<br>| &nbsp;&nbsp; Some investment professionals may receive compensation for selling a contract <br> to investors. This compensation is typically paid in the form of commissions, <br> but the sale of the Contract may also count toward the investment <br> professional's qualification for receipt of cash and non-cash compensation <br> related to sales incentives or contests. These investment professionals may have <br> a financial incentive to offer or recommend the Contract over another <br> investment. | &nbsp;&nbsp; Other Information <br> - Distribution of <br> the Contract<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to offer an <br> investor a new contract in place of the one he or she already owns. That <br> investor should only exchange his or her existing Contract if he or she <br> determines, after comparing the features, fees, and risks of both contracts, that <br> it is preferable for him or her to purchase the new Contract rather than <br> continue to own the existing contract. | &nbsp;&nbsp; The Contract - <br> Transactions - <br> Conversions/Exchanges<br>|

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**Overview of the Contract**

**What is the purpose of this Contract, and what is it designed to do?**

The purpose of the Contract is to help individuals who are seeking long-term, tax-deferred accumulation of funds. Purchasing the Contract as an investment vehicle for a Qualified Retirement Plan does not provide any additional tax advantage beyond that already available through the Qualified Retirement Plan. Therefore, the individual should have reasons other than tax deferral to purchase this product.

The Contract can be used to supplement Your retirement income by providing accumulated funds that can be used for retirement or by providing a stream of income payments during the payout phase. It also offers death benefits to protect Your designated beneficiaries. This Contract may be appropriate if You have a long investment time horizon. It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the Investment Options.

To determine the Contract You own, look in the bottom left-hand corner of Your Contract for the form number. This prospectus applies to all HMLIC Contracts with a form number of ICC16-469 or IC-469 immediately followed by any combination of 3 letters and/or numbers.

**How Do I Accumulate Assets in this Contract and Receive Income from the Contract?**

Your Contract has two phases: 1) an accumulation (savings) phase; and 2) a payout (income) phase.

1) Accumulation (Savings) Phase

The accumulation phase is the period of time (often several years or even decades) during which You are making premium payments into Your Contract. To help You accumulate assets, You can invest Your premium payments in:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Portfolio Companies (mutual funds), a broad range of varying asset categories (such as lifecycle/target date, large company value, small company growth, and bond funds, among others). Each has its own investment strategies, investment advisers, expense ratios, and returns; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● a fixed account option, which offers a guaranteed interest rate during a selected period. The guaranteed rate is established at issue and will be re-determined every 5 years thereafter, but will never be less than the rate prescribed in the law of the state where the policy is delivered or issued for delivery. The fixed account is part of HMLIC's general account.

**A list of Portfolio Companies in which You can invest is provided in Appendix A:** .**Investment Options Available Under the Contract, located in the back of the prospectus along with the type of fund, adviser/subadviser, current expenses and performance information for each Portfolio Company.** 

2) Payout (Income) Phase

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You can elect to annuitize Your Contract and turn Your Account Value into a stream of income payments (sometimes called Annuity Payments), at which time the accumulation phase of the Contract ends. These payments may continue for a fixed period of years, for Your entire life, or for the longer of a fixed period or Your life. The Contract provides for fixed Annuity Payments only. We reserve the right to make available other Annuity Payment options.

Please note that if You annuitize, Your investments will be converted to income payments and You may no longer be able to choose to withdraw money at will from Your Contract. All death benefits terminate upon annuitization.

**What are the Primary Features and Options that this Contract Offers?**

*Accessing Your money.* Until You annuitize, subject to any restrictions imposed by the IRC or under the Qualified Retirement Plan, You can choose to withdraw Your Account Value at any time. Although if You withdraw early, You may have to pay income taxes, including a penalty tax if You are younger than age 59 ½.

*Loans. Loans may be available in certain Qualified Contracts, except for IRA contracts issued under IRC Sections 408(b) and 408A, if allowed by the Qualified Retirement Plan. The terms of such loans are subject to the provisions of the plan and the IRC.*

*Tax treatment.* You can transfer money between Investment Options without tax implications, and earnings (if any) on Your investments are generally tax-deferred. You are taxed only when: (1) You make a withdrawal; (2) You receive an income payment from the Contract; or (3) upon payment of a death benefit.

*Systematic Withdrawals*. Before commencement of an Annuity Period, You may select systematic withdrawals. You may choose monthly, quarterly, semi-annual or annual withdrawals, with the exception of Required Minimum Distributions which are paid annually. As with any withdrawal, systematic withdrawals will reduce the Account Value of the Contract.

*Death benefits.* Your Contract includes a basic death benefit that will pay Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance. An adjustment for any withdrawal is determined by dividing the withdrawal amount by the Account Value immediately prior to the withdrawal and multiplying the resulting fraction by the death benefit immediately prior to the withdrawal.

*Portfolio rebalancing and dollar cost averaging.* At no additional charge, You may select portfolio rebalancing, which automatically rebalances the Investment Options You select to maintain Your chosen mix of Investment Options. Alternately, at no additional charge, You may select dollar cost averaging, which automatically transfers a specific amount of money from the fixed account to the Investment Options You have selected, at set intervals over a specific period of time.

**Benefits Available Under the Contract**

The following table summarizes information about the benefits available under the Contract.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of benefit** | **Purpose** | **Is Benefit Standard** <br> **or Optional**<br>| **Maximum Fee** | **Brief Description of** <br> **Restrictions/**<br> **Limitations**<br>|
| Death Benefit | If You die before the <br> Annuity Date and <br> while the Contract is in <br> force, pays Your <br> designated <br> beneficiaries the <br> greater of: (1) the <br> Account Value; or (2) <br> the Net Premium paid, <br> less an adjustment for <br> any withdrawals and a <br> reduction for any <br> outstanding loan <br> balance.<br>| Standard |  |  |
| Portfolio Rebalancing | Automatically <br> rebalances the <br> Investment Options <br> You select (either<br>| Standard |  | Cannot use with the <br> dollar cost averaging <br> option.<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of benefit** | **Purpose** | **Is Benefit Standard** <br> **or Optional**<br>| **Maximum Fee** | **Brief Description of** <br> **Restrictions/**<br> **Limitations**<br>|
|  | quarterly, semiannually <br> or annually) to <br> maintain Your chosen <br> mix of Investment <br> Options.<br>|  |  | Only available during <br> the accumulation <br> phase.<br> Subject to portfolio <br> restrictions.<br>|
| Dollar Cost Averaging | Automatically <br> transfers a specific <br> amount of money from <br> the Investment Options <br> You have selected, at <br> set intervals over a <br> specific period of time.<br>| Standard | None | Cannot use with the <br> portfolio rebalancing <br> option.<br> Only available during <br> the accumulation <br> phase.<br> Subject to portfolio <br> restrictions.<br>|
| Systematic <br> Withdrawals<br>| Automatically <br> withdraws money <br> (either monthly, <br> quarterly, semi-<br> annually or annually) <br> from the Investment <br> Options You select. <br> The amount of the <br> withdrawals are <br> determined by the <br> systematic withdrawal <br> option You select.<br>| Standard | None | Cannot use with the <br> dollar cost averaging <br> option.<br> Only available during <br> the accumulation <br> phase.<br> Subject to portfolio <br> restrictions.<br>|

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**Buying the Contract**

**How Do I Purchase the Personal Retirement Planner Qualified Variable Annuity Contract**?

To purchase a Contract, You must complete an application bearing all requested signatures and a client profile form, in those instances when the purchase of this product was the result of a recommendation. For 457(b) and 401(a) Contracts the employer will purchase the Contract on behalf of the employee, but the employee will be required to complete an application and client profile form in those instances, when the purchase of this product was the result of a recommendation.

**How Much Can I Contribute and How are My Contributions Invested?**

Your premium payments will be invested in the Investment Options that You choose.

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| | |
|:---|:---|
|  | **Qualified Policies (Purchased using pre-tax dollars)** |
| Minimum Initial Annual Premium | $300 annually |
| Minimum Subsequent Annual Premiums | $300 annually |
| Maximum Subsequent Premiums (per Contract Year after 1st <br> Contract Anniversary)<br>| As permitted by IRS regulations |
| Maximum Total Premiums | $1,000,000 without Our prior approval |

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After Your initial premium payment, You are not required to make any additional premium payments under Your Contract.

**When Will Any Premium Payments that I Make be Credited to My Account?**

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Net Premium payments allocated to the Separate Account will be applied at the applicable Accumulation Unit Value determined on the Valuation Date following receipt in good form (sufficiently clear so that We do not need to exercise any discretion to follow such instructions). The minimum premium payment for the Contract is $25 per month or $300 per year. HMLIC limits the maximum cumulative premium to $1 million without Our prior approval. After the first Contract Year, We reserve the right to limit premium payments to a maximum of $30,000 each Contract Year.

If a registered representative recommended and completed the application and associated forms, the appropriate broker-dealer has approved the suitability and best interest of the sale, Your application is complete and Your initial premium payment has been received at Our Home Office, We will issue Your Contract within two business days of its receipt, and credit Your initial Net Premium to Your Contract.

If an incomplete application is received, HMLIC will promptly request additional information needed to process the application. Any initial premium payment received by HMLIC will be held in a suspense account, without interest, for a period not exceeding five business days unless otherwise directed by the applicant. If the necessary information is not received within these five business days HMLIC will return any initial premium payment received by HMLIC, unless otherwise directed by the applicant.

**Allocation of Net Premiums**—When You complete Your application, You will give Us instructions on how to allocate Your Net Premium payments among the fixed account and/or the available Subaccounts. The amount You direct to a particular Subaccount or to the fixed account must be in whole number percentages from 5% to 100% of the Net Premium payment. If You make additional premium payments, We will allocate the Net Premiums in the same manner as Your initial Net Premium payment. A request to change the allocation of premium payments will be effective on the Valuation Date of receipt of the request in good form.

Premium payments allocated to the Separate Account are credited on the basis of Accumulation Unit Value. The number of Accumulation Units purchased by Your premium payments is determined by dividing the dollar amount credited to each Subaccount by the applicable Accumulation Unit Value next determined following receipt of the payment at Our Home Office. The value of an Accumulation Unit is affected by the investment experience of the Portfolio Company, expenses and the deduction of certain charges under the Contract.

Accumulation Units are valued on each Valuation Date. If We receive Your premium payment before 3:00 p.m. Central Time (or before the close of the NYSE, if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of that Valuation Date. If We receive Your premium payment at or after 3:00 p.m. Central Time (or at or after the close of the NYSE if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of the next Valuation Date.

**Making Withdrawals: Accessing the Money in Your Contract**

**Can I Access the Money in My Account During the Asset Accumulations (Savings) Phase?**

Yes. However, withdrawal of Account Value from Qualified Contracts (other than traditional IRAs and Roth IRAs) are subject to any restrictions imposed by the IRC or under the Qualified Retirement Plan. If not restricted by the IRC or Qualified Retirement Plan under which the Contract is issued, You may surrender the Contract or withdraw part of Your Account Value for cash before Annuity Payments begin.

**What is the Process to Request a Withdrawal of Money from My Contract**?

You may request a surrender or a partial withdrawal by submitting a signed, HMLIC form to HMLIC at Our Home Office at P.O. Box 4657, Springfield, Illinois 62708-4657. The kind of HMLIC form to be used will depend on whether any proceeds from the withdrawal/surrender are to be sent to any party other than the Contract Owner. A Contract Owner may request a HMLIC withdrawal/surrender form by writing to P.O. Box 4657, Springfield, Illinois 62708-4657or by calling 800-999-1030 or may download the form on Our secure website at horacemann.com.

For each withdrawal, You may specify the account(s) from which the withdrawal will be deducted. Unless You specify otherwise, withdrawals will be deducted from the fixed account and the Subaccount(s), each in proportion to their share of the sum of the Account Value in these accounts. The Account Value will be reduced by the amount We distribute, per Your request, any applicable surrender charges and/or any applicable taxes. Withdrawals from the Contract will reduce the Account Value, the amount available to purchase Annuity Payments under the Contract, and the death benefit. Any partial withdrawal is subject to a $100 minimum and may not reduce the Contract Owner's Account Value to less than $100.

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The surrender or partial withdrawal of Variable Account Value (including a rollover, exchange, etc.) is determined on the basis of the Accumulation Unit Value. Withdrawals and surrenders will be processed either on a Valuation Date specified by You in a request, provided the Valuation Date specified occurs on or after receipt of the request in good form at Our Home Office, or on the Valuation Date following the receipt of such request in good form at Our Home Office. HMLIC ordinarily completes a transaction within seven calendar days after receipt of a request in good form for a partial withdrawal or surrender.

**Can I Access the Money in My Account During the Annuity (Income) Phase?**

You will receive payments under the Annuity Payment option You select. However, You generally may not take any other withdrawals.

**Additional Information About Fees**

**The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected.**

**The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender or make withdrawals from the Contract, or transfer Account Value between Investment Options. State premium taxes may also be deducted.**

**Transaction Expenses** 

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| |
|:---|
| Sales Load Imposed on Purchases (as a percentage of purchase payments) |
| Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered) |
| Transfer Fee |

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**The next table describes the fees and expenses that You will pay *each year* during the time that You own the Contract (not including Portfolio Company fees and expenses).**

**Annual Contract Expenses** 

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| | |
|:---|:---|
| Administrative Expenses <sup>(1)</sup> <br>| &nbsp;&nbsp; $35 <sup>(2)</sup> <br>|
| Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value)) | &nbsp;&nbsp;&nbsp;&nbsp; 1.25% |
| Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value)) | &nbsp;&nbsp; N/A |
| Loan Interest | 8% |

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(1) We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future.

(2) For Contracts issued on and After May 1, 2019.

**The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that You may pay periodically during the time that You own the Contract. Expenses shown may change over time and may be higher or lower in the future. These amounts also include applicable platform charges if you choose to invest in certain Portfolio Companies. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.** 

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| | | |
|:---|:---|:---|
| **Annual Portfolio Company Expenses** | **Minimum** | **Maximum** |
| &nbsp;&nbsp;&nbsp; (expenses that are deducted from Portfolio Company assets, including management fees, <br> distribution and/or service (12b-1) fees, and other expenses)<br>| &nbsp;&nbsp; 0.04% | &nbsp;&nbsp; 1.34% |

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**Example**

**This Example is intended to help You compare the cost of investing in the variable options with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses, and Annual Portfolio Company Expenses.**

**The Example assumes all Contract value is allocated to variable options. Your costs could differ from those shown below if you invest in fixed options.** 

**The Example assumes that You invest $100,000 in the Contract for the time periods indicated. The Example also assumes that Your investment has a 5% return each year and assumes the most expensive combination of Annual Portfolio Company Expenses and optional benefits available for an additional charge. Although Your actual costs may be higher or lower, based on these assumptions, Your costs would be:**

**$35 Administrative Expense** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; If You surrender Your Contract at the end of the applicable time <br> period: | 1 year | 3 years | 5 years | 10 years |
| &nbsp;&nbsp;&nbsp; If You surrender Your Contract at the end of the applicable time <br> period: | &nbsp;&nbsp; $2638 | &nbsp;&nbsp; $8095 | &nbsp;&nbsp; $13803 | &nbsp;&nbsp; $29248 |

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**$25 Administrative Expense** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; If You surrender Your Contract at the end of the applicable time <br> period: | 1 year | 3 years | 5 years | 10 years |
| &nbsp;&nbsp;&nbsp; If You surrender Your Contract at the end of the applicable time <br> period: | &nbsp;&nbsp; $2628 | &nbsp;&nbsp; $8066 | &nbsp;&nbsp; $13756 | &nbsp;&nbsp; $29161 |

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**Appendix A: Investment Options Available Under the Contract**

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The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com.

The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** |
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Retirement <br> Income Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 11.31% | 3.82% | 5.33% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2020 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 12.15% | 4.77% | 6.87% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2025 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 14.60% | 5.90% | 8.78% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2030 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 16.24% | 6.83% | 8.66% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2035 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 17.54% | 7.71% | 9.40% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2040 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 18.76% | 8.57% | 10.13% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2045 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 19.99% | 9.41% | 10.74% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2050 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 21.41% | 9.95% | 11.02% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2055 Fund / The <br> Vanguard Group, Inc<br>| 0.08% | 21.43% | 9.96% | 11.02% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2060 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 21.42% | 9.96% | 11.02% |
| Large Value | &nbsp;&nbsp; T Rowe Price Equity <br> Income Fund — Investor <br> Class / T Rowe Price <br> Associates, Inc.<br>| 0.69% | 14.58% | 11.31% | 10.66% |
| Large Blend | &nbsp;&nbsp; Vanguard<sup>®</sup> 500 Index <br> Admiral Shares / The <br> Vanguard Group, Inc.<br>| 0.04% | 17.83% | 14.38% | 14.78% |
| Large Growth | &nbsp;&nbsp; American Funds IS Growth <br> Fund Class 4 / Capital <br> Research and Management <br> Company<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Large Growth | &nbsp;&nbsp; T Rowe Price Growth Stock <br> Fund — Investor Class / T <br> Rowe Price Associates, Inc.<br>| 0.66% | 15.65% | 9.36% | 14.16% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** |
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Mid Value | &nbsp;&nbsp; Vanguard<sup>®</sup> Selected Value / <br> The Vanguard Group, Inc.<br>| 0.34% | 10.98% | 12.01% | 10.43% |
| Mid Blend | &nbsp;&nbsp; Vanguard<sup>®</sup> Extended <br> Market Index Admiral <br> Shares / The Vanguard <br> Group, Inc.<br>| 0.05% | 11.42% | 6.19% | 11.01% |
| Mid Growth | &nbsp;&nbsp; Janus Henderson Enterprise <br> Portfolio Instl / Janus <br> Capital Management LLC.<br>| 0.72% | 7.67% | 7.62% | 12.79% |
| Small Value | &nbsp;&nbsp; T Rowe Price Small-Cap <br> Value Fund — Investor <br> Class / T Rowe Price <br> Associates, Inc.<br>| 0.79% | 8.22% | 6.62% | 9.70% |
| Small Blend | &nbsp;&nbsp; Vanguard<sup>®</sup> Small Cap Index <br> Admiral Shares / The <br> Vanguard Group, Inc.<br>| 0.05% | 8.83% | 7.34% | 10.43% |
| Small Growth | &nbsp;&nbsp; Neuberger Genesis Fund <br> Advisor Class / Neuberger <br> Berman Investment <br> Advisers, LLC<br>| 1.34% | -5.00% | 2.41% | 8.60% |
| International Stock - <br> Developed Markets<br>| &nbsp;&nbsp; American Funds IS <br> International Growth and <br> Income 1 / Capital Research <br> and Management <br> Company<sup>SM</sup> <br>| 0.56% | 35.83% | 7.97% | 8.08% |
| International Stock - <br> Developed Markets<br>| &nbsp;&nbsp; T Rowe Price Overseas <br> Stock Fund — Investor <br> Class / T Rowe Price <br> Associates, Inc.<br>| 0.78% | 31.80% | 8.41% | 8.36% |
| International Stock - <br> Developed Markets<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Developed <br> Markets Index — Admiral <br> Shares / The Vanguard <br> Group, Inc.<br>| 0.05% | 35.17% | 9.11% | 8.71% |
| International Stock - <br> Emerging Markets<br>| &nbsp;&nbsp; T Rowe Price Emerging <br> Markets Stock <br> Fund — Investor Class / T <br> Rowe Price Associates, Inc.<br>| 1.23% | 32.46% | -1.83% | 6.16% |
| International Stock - <br> Emerging Markets<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Emerging <br> Markets Stock Index <br> Admiral Share / The <br> Vanguard Group, Inc.<br>| 0.13% | 24.75% | 4.62% | 8.10% |
| Real Estate | &nbsp;&nbsp; T Rowe Price Global Real <br> Estate — Investor Class\* / <br> T Rowe Price Associates, <br> Inc.<br>| 0.95% | 5.62% | 2.50% | 3.23% |
| Real Estate | &nbsp;&nbsp; Vanguard<sup>®</sup> Real Estate <br> Index Fund Admiral Shares <br> / The Vanguard Group, Inc.<br>| 0.13% | 3.19% | 4.64% | 5.14% |
| Technology | &nbsp;&nbsp; Janus Henderson Global <br> Technology and Innovation <br> Fund Class I / Janus Capital <br> Management LLC.<br>| 0.73% | 25.15% | 13.71% | 21.48% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** | &nbsp;&nbsp; **Average Annual Total Returns** <br> **(as of 12/31/25)** |
| **Type/Investment** <br> **Objective** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Intermediate-Term <br> Bond<br>| &nbsp;&nbsp; American Funds IS US <br> Government Securities 1\* / <br> Capital Research and <br> Management Company<sup>SM</sup> <br>| 0.25% | 8.01% | 0.01% | 1.95% |
| Intermediate-Term <br> Bond<br>| &nbsp;&nbsp; Fidelity VIP Investment <br> Grade Bond Initial Class / <br> Fidelity Management & <br> Research Company LLC<br>| 0.37% | 7.22% | 0.06% | 2.71% |
| Intermediate-Term <br> Bond<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Total Bond <br> Market Index Admiral <br> Shares / The Vanguard <br> Group, Inc.<br>| 0.04% | 7.15% | -0.42% | 1.99% |
| Global Bond | &nbsp;&nbsp; Vanguard<sup>®</sup> VIF Global <br> Bond Index / The Vanguard <br> Group, Inc.<br>| 0.13% | 5.69% | -0.41% |  |
| Multi-Sector Bond | &nbsp;&nbsp; T Rowe Price Spectrum <br> Income Fund — Investor <br> Class\* / T Rowe Price <br> Associates, Inc.<br>| 0.61% | 7.83% | 2.11% | 4.00% |
| High Yield Bond | &nbsp;&nbsp; Vanguard<sup>®</sup> High-Yield <br> Corporate Fund Admiral <br> Shares / The Vanguard <br> Group, Inc.<br>| 0.12% | 9.46% | 4.21% | 5.69% |
| Short-Term Bond | &nbsp;&nbsp; Vanguard<sup>®</sup> VIF Short-Term <br> Investment Grade Bond / <br> The Vanguard Group, Inc.<br>| 0.14% | 6.85% | 2.23% | 2.81% |
| Balanced | &nbsp;&nbsp; Calvert VP SRI Balanced I / <br> Calvert Research and <br> Management.<br>| 0.65% | 11.48% | 8.68% | 9.81% |
| Money Market | &nbsp;&nbsp; Vanguard<sup>®</sup> Federal Money <br> Market Fund / The <br> Vanguard Group, Inc.<br>| 0.11% | 4.22% | 3.20% | 2.14% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

\*

These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at <u>dfinview.com/</u><u>HoraceMann/TAHD/PRPQ</u>

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This Summary Prospectus incorporates by reference the Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract prospectus and Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus or You can find the Statement of Additional Information online.

EDGAR Filing Number C000182313

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