# EDGAR Filing Document

**Accession Number:** 0000850141
**File Stem:** 0001140361-25-035866
**Filing Date:** 2025-9
**Character Count:** 6168
**Document Hash:** c5dbde8d0919007ade08edb11b13fbb2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001140361-25-035866.hdr.sgml**: 20250923

**ACCESSION NUMBER**: 0001140361-25-035866

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20250923

**DATE AS OF CHANGE**: 20250923

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HORACE MANN EDUCATORS CORP /DE/
- **CENTRAL INDEX KEY:** 0000850141
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 370911756
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-277784
- **FILM NUMBER:** 251334591

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

**MAIL ADDRESS:**
- **STREET 1:** 1 HORACE MANN PLZ
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62715-0001

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HORACE MANN EDUCATORS CORP
- **DATE OF NAME CHANGE:** 19920108
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HORACE MANN EDUCATORS CORP /DE/
- **CENTRAL INDEX KEY:** 0000850141
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 370911756
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP

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

**MAIL ADDRESS:**
- **STREET 1:** 1 HORACE MANN PLZ
- **CITY:** SPRINGFIELD
- **STATE:** IL
- **ZIP:** 62715-0001

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HORACE MANN EDUCATORS CORP
- **DATE OF NAME CHANGE:** 19920108

#### Issuer Free Writing Prospectus

#### Filed Pursuant to Rule 433

#### Registration No. 333-277784

#### September 23, 2025

![](logo_horace.jpg)

#### $300,000,000 4.700% Senior Notes due 2030

#### TERM SHEET

#### ____________________________

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| | |
|:---|:---|
| **Issuer:** | Horace Mann Educators Corporation<br>|
| **Title of Securities:** | 4.700% Senior Notes due 2030<br>|
| **Security Types:** | Senior Unsecured Notes<br>|
| **Legal Format:** | SEC Registered<br>|
| **Expected Ratings:\*** | Moody's: Baa2 (stable) / S&P: BBB (stable) / Fitch: BBB (stable)<br>|
| **Principal Amount:** | $300000000<br>|
| **Trade Date:** | September 23, 2025<br>|
| **Settlement Date:** | September 26, 2025 (T+3)\*\*<br>|
| **Interest Payment Dates:** | Semi-annually in arrears on each April 1 and October 1, <br> commencing April 1, 2026<br>|
| **Maturity Date:** | October 1, 2030<br>|
| **Public Offering Price:** | 99.462% of the principal amount, plus accrued and unpaid <br> interest, if any, from September 26, 2025<br>|
| **Coupon:** | 4.700%<br>|
| **Benchmark Treasury:** | 3.625% due August 31, 2030<br>|
| **Benchmark Treasury Price / Yield:** | 99-25 ¼ + / 3.672%<br>|
| **Re-offer Spread to Benchmark Treasury:** | + 115 bps<br>|
| **Yield-to-Maturity:** | 4.822%<br>|
| **Net Proceeds to Issuer (before expenses):** | $296586000<br>|
| **Optional Redemption** |  |
| &nbsp;&nbsp;&nbsp; **Make Whole Call:** | Prior to September 1, 2030 (the date that is one month prior to <br> the maturity date), T + 20 bps<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Par Call:** | On or after September 1, 2030 (the date that is one month <br> prior to the maturity date) |

---

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| | |
|:---|:---|
| **CUSIP / ISIN:** | 440327AM6 / US440327AM65<br>|
| **Denominations / Multiple:** | Minimum of $2,000 and integral multiples of $1,000 in excess thereof<br>|
| **Joint Book-Running Managers:** | PNC Capital Markets LLC<br> BMO Capital Markets Corp.<br> J.P. Morgan Securities LLC<br>|
| **Co-Managers:** | KeyBanc Capital Markets Inc.<br> Raymond James & Associates, Inc.<br> Citizens JMP Securities, LLC<br> Piper Sandler & Co.<br> Comerica Securities, Inc. |

---

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**The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by contacting PNC Capital Markets LLC toll-free at (855) 881-0697, BMO Capital Markets Corp., at (888) 200-0266, or J.P. Morgan Securities LLC collect at (212) 834-4533.**

**\* Note: A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the assigning rating agency.**

**\*\* Note: It is expected that the delivery of the notes will be made against payment therefor on or about September 26, 2025, which will be the third business day after the date of the prospectus supplement. Under Rule 15c6-1 of the Securities and Exchange Commission (the "SEC") under the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in one business day, unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes prior to the first business day preceding the Settlement Date will be required, by virtue of the fact that the notes will settle in three business days, to specify an alternative settlement cycle at the time of any such trade to prevent a failed settlement. Such purchasers should consult their own advisors in this regard.**

**Any disclaimers or other notices that may appear below are not applicable to this communication and should be disregarded. Such disclaimers or other notices were automatically generated as a result of this communication being sent via Bloomberg or another email system.**

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