# EDGAR Filing Document

**Accession Number:** 0001379482
**File Stem:** 0001193125-26-194302
**Filing Date:** 2026-4
**Character Count:** 31944
**Document Hash:** a614bd27dcbbb3d64d91693dba8f3be6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-194302.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-194302

**CONFORMED SUBMISSION TYPE**: 497VPU

**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 Qualified Group Annuity Separate Account
- **CENTRAL INDEX KEY:** 0001379482

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-138322
- **FILM NUMBER:** 26920412

**BUSINESS ADDRESS:**
- **STREET 1:** #1 HORACE MANN PLAZA
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62715
- **BUSINESS PHONE:** 217-789-2500

**MAIL ADDRESS:**
- **STREET 1:** #1 HORACE MANN PLAZA
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62715

## Series and Classes Contracts Data

### Horace Mann Life Insurance CO Qualified Group Annuity Separate Account (Series ID: S000015168)

| Class ID   | Class Name           | Ticker Symbol   |
|:---|:---|:---|
| C000116281 | Retirement Protector |  |

Updating Summary Prospectus

for Retirement Protector

Issued by

Horace Mann Life Insurance Company

May 1, 2026

This Updating Summary Prospectus summarizes key features of the Contract ("Retirement Protector"). This Updating Summary Prospectus also provides a summary of Contract features that have changed.

The prospectus for the Retirement Protector 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/RP. 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.

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/RP</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_d0f440f0-3f82-4970-9826-02f01291fcb6_1) | 3  |
| [Updated Information about Your Contract](#xx_0373cdd0-f8b7-4c2c-a4f9-8ab4d5758a80_1) | 5  |
| [Important Information You Should Consider About the Certificate](#xx_9a5ae47b-8884-45c0-b424-77e320b5349c_1) | 6  |
| [Appendix A: Investment Options Available Under the Contract](#xx_deedd872-8bc0-4122-b264-920a17d9920d_1) | 9 |

---

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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 Participant's interest in a Subaccount before Annuity Payments begin.

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

**Annuitized Value:** The amount applied to purchase Annuity Payments. It is equal to the Participant Account Value on the Annuity Date, adjusted for any applicable Market Value Adjustment and less any applicable premium tax.

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

In addition, Qualified Contracts often have certain limitations upon election of an Annuity Date. Generally, distributions under Qualified Contracts must begin by April 1 following the calendar year in which the Participant reaches age 73.

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

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

**Certificate:** The document issued to each Participant under a Contract describing the terms of the Contract and the rights and benefits of the Participant.

**Certificate Account Value:** A Certificate Account's Fixed Account Value plus the Certificate Account's Variable Account Value.

**Certificate Anniversary:** The same day and month as a Certificate Date for each succeeding year of a Certificate.

**Certificate Year:** A period of twelve months beginning on the Certificate Date or any Certificate Anniversary.

**Contract:** The group flexible premium deferred variable annuity contract this prospectus offers. This document describes the terms of the annuity contract, the rights of the Contract Owner and the rights and benefits of the Participants.

**Contract Owner:** The entity identified as the Contract Owner on the Annuity Data pages of a Certificate.

**Fixed Account:** An account established to receive the Net Premium, any applicable premium bonus, and the transfers allocated to the General Fixed Account and any Guarantee Period Account(s). Fixed Account money is invested along with other insurance funds in Our general account.

**General Fixed Account:** A Participant's portion of an interest-bearing account set up to receive the Net Premium and the transfers allocated to such account under the Participant Account. The General Fixed Account is distinguished from the Guarantee Period Account option(s) of the Fixed Account.

**Guarantee Period Account(s):** Fixed Account option(s) that may be offered under a Certificate that provide a guaranteed interest rate for a specified period of time ("Guarantee Period") and to which a Market Value Adjustment may apply.

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

**Investment Options:** The Fixed Account option(s) and the Underlying Funds in which the Subaccounts invest.

**Market Value Adjustment:** For any Guarantee Period Account, an increase or decrease in the surrender value or withdrawal value, a transfer amount, or in the amount applied to an annuity option. A Market Value Adjustment reflects changes in the level of prevailing current interest rates since the beginning of each Guarantee Period.

**Net Premium:** The premium payments paid to HMLIC under the Contract Account and Certificate Account of a Certificate, less any applicable premium tax.

**Participant (You, Your):** A person to whom a Certificate showing participation under a Contract has been issued.

**Participant Account:** An account established for each Participant to receive premium payments made by or on behalf of the Participant.

**Participant Account Value:** The Contract Account Value plus the Certificate Account Value, before Annuity Payments begin.

**Plan:** The employer-sponsored retirement plan under which a Certificate is issued, evidenced by a written Plan Document.

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**Qualified Contract:** The term "Qualified Contract" in this prospectus will be used to describe the following Contracts and the Certificates thereunder: IRC Section 403(b) tax sheltered annuity ("403(b) Contract"); IRC Section 457(b) eligible governmental deferred compensation plan annuity ("457(b) Contract"); and IRC Section 401 qualified annuity ("401 Contract").

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

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

**Separate Account:** The Horace Mann Life Insurance Company Qualified Group Annuity 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 transaction request to occur on a particular Valuation Date if We receive the Net Premium or request (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:** A Participant's portion of the Separate Account set up to receive Net Premium, any applicable premium bonus and transfers allocated to the Separate Account under the Participant Account.

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

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**Updated Information about Your Contract**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since You entered into Your Contract.

**Benefit-Related Changes**

No Benefit Related Changes have occurred since the last prospectus.

**Underlying Fund-Related Changes**

The Neuberger Berman Genesis Fund became the Neuberger Genesis Fund on December 18, 2025.

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

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

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

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| | | |
|:---|:---|:---|
| **Is There a Risk of Loss** <br> **from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.** You can lose money by investing in this Certificate, including loss of <br> principal. | &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>Risk of Loss</u>** <br>|
| **Is this a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp; **No.** This Certificate is not designed for short-term investing and is not <br> appropriate for an investor who needs ready access to cash.<br> Surrender charges may apply for up to 10 years. Surrender charges will reduce <br> the value of Your Certificate if You withdraw money during the surrender <br> charge period.The benefits of tax deferral also mean the Certificate is more <br> beneficial to investors with a long-time horizon. | &nbsp;&nbsp; Principal Risks of <br> Investing in the <br> Contract – Not a <br> Short-term <br> Investment <br>|
| **What Are the Risks** <br> **Associated with the** <br> **Investment Options?**<br>| &nbsp;&nbsp; An investment in this Certificate 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 Certificate (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 Certificate 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 - Insurance <br> Company Risks<br>|
|  | **Restrictions** |  |
| **Are There Restrictions** <br> **on the Investments** <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 Certificate.<br> At any time before Your Certificate's Annuity Date, You may transfer amounts <br> from one Subaccount to another, and to and from the Fixed Account of the <br> Certificate, subject to certain restrictions. Transfers from a Guarantee Period <br> Account to the General Fixed Account or to the Variable Account, or between <br> Guarantee Period Accounts, may be subject to a Market Value Adjustment.<br> We reserve the right to restrict or terminate the transfer privilege for any <br> specific Participant if, in Our judgment, the Participant is using the Certificate <br> for the purposes of market timing or for any other purpose that We, in Our <br> sole discretion determine to be potentially detrimental to other shareholders of <br> 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 Participants, <br> 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>|

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| | | |
|:---|:---|:---|
|  | **Restrictions** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp; **Yes.** Optional benefits may not be available in all states or in all Plans. <br> The Premium Bonus Rider is only available at issue of the Contract and will <br> only be included or offered if negotiated by the employer and HMLIC as part <br> of the Contract. <br> You should refer to the Contract and enrollment form for the optional riders <br> available to You. <br> Guaranteed Minimum Death Benefit Riders will not be issued on or after the <br> Participant's70<sup>th</sup> birthday. <br> The Guaranteed Minimum Death Benefit Riders cannot be terminated by the <br> Participant or the Contract Owner after the Certificate Date. <br> Under certain Guaranteed Minimum Death Benefit Riders, We reserve the <br> right to restrict allocations or transfers to the Fixed Account or any of the <br> Subaccounts. <br> The Guaranteed Minimum Death Benefit Riders may only be terminated by <br> Us as described in the Guaranteed Minimum Death Benefit Rider(s) attached <br> to Your Certificate. | &nbsp;&nbsp; The Contract – <br> Deductions and <br> Expenses Charges <br> for Optional Riders <br> – Premium Bonus <br> Ride <br> The Contract – <br> Death Benefit – <br> Guaranteed <br> Minimum Death <br> Benefit Riders <br>|
|  | **Taxes** |  |
| **What Are the** <br> **Certificates 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> Certificate. There is no additional tax benefit to the investor when the <br> Certificate is purchased through a tax-qualified plan. Withdrawals will be <br> subject to ordinary income tax and may be subject to tax penalties. | &nbsp;&nbsp; Tax Consequences - <br> Taxation of <br> Qualified Contracts <br>|
|  | **Conflicts of Interest** |  |
| **How are Investment** <br> **Professionals** <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 Certificate 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 Certificate 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/ <br> Exchanges<br>|

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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 and Certificates thereunder. 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/RP. 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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup>  | &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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup>  | &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 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% |
| Lifecycle/Target Date <br> Funds<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Target <br> Retirement 2065 Fund / The <br> Vanguard Group, Inc.<br>| 0.08% | 21.43% | 9.98% |  |
| 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; T Rowe Price Growth Stock <br> Fund — Investor Class / T <br> Rowe Price Associates, Inc.<br>| 0.66% | 15.65% | 9.36% | 14.16% |
| 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% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup> | &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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup> | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Mid Growth | &nbsp;&nbsp; Janus Henderson Enterprise <br> Portfolio Instl / Janus <br> Capital Management LLC.<br>| 0.72% | 7.67% | 7.62% | 12.79% |
| Mid Growth | &nbsp;&nbsp; T Rowe Price New <br> Horizons Fund – Investor <br> Class<sup>(6)</sup> / T Rowe Price <br> Associates, Inc.<br>| 0.80% | 3.15% | -2.12% | 11.51% |
| 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; MFS VIT New Discovery <br> Series Initial Class\*<sup>(6)</sup> / <br> Massachusetts Financial <br> Services Company<br>| 0.87% | 12.96% | -0.28% | 10.74% |
| 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; 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% |
| Inflation Protected <br> Bond<br>| &nbsp;&nbsp; Vanguard<sup>®</sup> Short-Term <br> Inflation-Protected <br> Securities / The Vanguard <br> Group, Inc.<br>| 0.06% | 6.03% | 3.51% | 3.13% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup> | &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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser**<sup>(1)</sup> | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| 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; T Rowe Price New Income <br> Fund — Investor Class\*<sup>(5)</sup> / <br> T Rowe Price Associates, <br> Inc.<br>| 0.44% | 7.08% | -0.66% | 1.72% |
| 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; American Funds IS Capital <br> World Bond Fund 1 / <br> Capital Research and <br> Management Co.<br>| 0.48% | 9.55% | -2.27% | 1.47% |
| Global Bond | &nbsp;&nbsp; T Rowe Price International <br> Bond Fund — Investor <br> Class\*<sup>(4)</sup> / T Rowe Price <br> Associates, Inc.<br>| 0.67% | 10.12% | -3.71% | 0.82% |
| 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% |
| High Yield Bond | &nbsp;&nbsp; Vanguard<sup>®</sup> High-Yield <br> Corporate Fund Investor <br> Shares<sup>(3)</sup> / The Vanguard <br> Group, Inc.<br>| 0.22% | 9.35% | 4.11% | 5.58% |
| Balanced Fund | &nbsp;&nbsp; Vanguard<sup>®</sup> STAR Fund / <br> The Vanguard Group, Inc.<br>| 0.29% | 15.86% | 5.88% | 8.95% |
| Money Market | &nbsp;&nbsp; Vanguard<sup>®</sup> Cash Reserves <br> Federal Money Market <br> Fund Admiral Shares<sup>(2)</sup> / <br> The Vanguard Group, Inc.<br>| 0.10% | 4.23% | 3.21% | 2.25% |
| 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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\*

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/RP</u>

(1) Under certain Guaranteed Minimum Death Benefit Riders, We reserve the right to restrict allocations or transfers to the Fixed Account or any of the Portfolio Companies. The Portfolio Companies available may vary by Qualified Retirement Plan. You should refer to Your Plan for a list of Portfolio Companies available to You.

(2) On and after August 1, 2016, Participants may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Participants were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.

(3) On and after May 1, 2017, Participants may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Participants were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.

(4) On and after May 1, 2019, Participants may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Participants were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.

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(5) On and after May 1, 2021, Participants may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Participants were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.

(6) On and after May 1, 2025, Participants may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Participants were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.

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This Summary Prospectus incorporates by reference the Retirement Protector 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 C000116281

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