# EDGAR Filing Document

**Accession Number:** 0000110698
**File Stem:** 0001193125-26-194303
**Filing Date:** 2026-4
**Character Count:** 25825
**Document Hash:** 4ce83d33ffe1ebdf7feeeee76124cc1a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-194303.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-194303

**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 SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000110698

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 002-24256
- **FILM NUMBER:** 26920413

**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   |
|:---|:---|:---|
| C000002950 | Variable Solutions II |  |
| C000002952 | Maximum Solutions II  |  |

Updating Summary Prospectus

for Variable Solutions II and Maximum Solutions II

Issued by

Horace Mann Life Insurance Company

May 1, 2026

This Updating Summary Prospectus summarizes key features of the Contract ("Variable Solutions II and Maximum Solutions II"). This Updating Summary Prospectus also provides a summary of Contract features that have changed.

The prospectus for the Variable Solutions II and Maximum Solutions II 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/VS2MS2. 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 dfinview.com/HoraceMann/TAHD/VS2MS2.

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_144b21a5-c729-47b4-89de-1a64b4af63fa_1) | 3  |
| [Updated Information about Your Contract](#xx_65a82a53-f5b8-471f-b32e-123c805ba16b_1) | 4  |
| [Important Information You Should Consider About the Contract](#xx_a5df48c9-93dc-4805-a635-15227df11af8_1) | 5  |
| [Appendix A: Investment Options Available Under the Contract](#xx_029c5c54-b6a0-4248-82a9-f22fb96b3808_1) | 9 |

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**Definitions**

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

**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.

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

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

**Fixed Account Value:** The dollar value of the fixed account under the Contract before Annuity Payments begin.

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

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

**Portfolio Companies, Underlying Funds:** 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.

**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.

**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.

**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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**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 Fidelity VIP Real Estate SC2 is closed to new investors as of May 1, 2026. <br> The Vanguard VIF Real Estate Index Portfolio was added to your platform on May 1, 2026.

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

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| | | |
|:---|:---|:---|
|  | **Fees, Expenses and Adjustments** | &nbsp;&nbsp; **Location in** <br> **Statutory**<br> **Prospectus**<br>|
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** <br> **Variable Solutions II -** If You make a withdrawal from or surrender the <br> Contract during the first 9 Contract Years, You may be assessed a surrender <br> charge up to 8.0% of the amount withdrawn or surrendered. For example, if <br> You make an early withdrawal, You could pay a surrender charge of up to <br> $8,000 on a $100,000 investment.<br> **Maximum Solutions II -** If You make a withdrawal from or surrender the <br> Contract during the first 7 Contract Years, You may be assessed a surrender <br> charge up to 7.0% of the amount withdrawn or surrendered. For example, if <br> You make an early withdrawal, You could pay a surrender charge of up to <br> $7,000 on a $100,000 investment.<br> Surrender charges are applied to surrenders and withdrawals based on the <br> effective date of the Contract and not on the date the premium payment is <br> made. | &nbsp;&nbsp; The Contract - <br> Deductions and <br> Expenses - <br> Surrender Charges<br>|
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No.** Aside from the charges for early withdrawals described above and <br> potential premium taxes, there are no charges for Contract Owner <br> transactions. | &nbsp;&nbsp; The Contract - <br> Transactions<br>|
| **Are There Ongoing** <br> **Fees and Expenses?**<br>| &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay *each* <br> *year*, depending on the options You choose. Please refer to Your Contract data <br> page for information about the specific fees You will pay each year based on <br> the options You have elected. |  |

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

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

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| | | |
|:---|:---|:---|
|  | **Risks** | &nbsp;&nbsp; **Location in** <br> **Statutory**<br> **Prospectus**<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. <br> There is no additional tax benefit to the investor when the Contract is <br> purchased through a tax-qualified plan or individual retirement account (IRA). <br> Withdrawals will be subject to ordinary income tax and may be subject to tax <br> penalties. <br> Generally, all or a portion of any distribution from a Non-Qualified Contract <br> will be taxable as ordinary income and may be subject to tax penalties. | &nbsp;&nbsp; Tax Consequences - <br> Taxation of <br> Qualified Contracts<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Tax Consequences - <br> Taxation of Non-<br> Qualified Contracts<br>|

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| | | |
|:---|:---|:---|
|  | **Conflicts of Interes**t | &nbsp;&nbsp; **Location in** <br> **Statutory**<br> **Prospectus**<br>|
| **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 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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**Appendix A: Investment Options Available Under the Contract**

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The following is a list of Portfolio Companies available under the Contracts. 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/VS2MS2. 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; **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; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2015 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.66% | 11.66% | 3.73% | 6.33% |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2025 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.71% | 14.23% | 5.25% | 7.75% |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2035 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.78% | 16.42% | 7.28% | 9.72% |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2045 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | 19.53% | 9.16% | 10.82% |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2055 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | 19.53% | 9.16% | 11.33% |
| Lifecycle/Target Date <br> Funds<br>&nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom <br> 2065 Portfolio SC2 / <br> Fidelity Management & <br> Research Company LLC<br>| 0.85% | 19.52% | 9.16% | 11.33% |
| Asset Allocation<br> &nbsp;&nbsp; Fidelity<sup>®</sup> VIP <br> FundsManager<sup>®</sup> 20% SC2\* <br> / Fidelity Management & <br> Research Company LLC<br>| 0.62% | 9.03% | 3.00% | 4.08% |
| Asset Allocation<br> &nbsp;&nbsp; Fidelity<sup>®</sup> VIP <br> FundsManager<sup>®</sup> 50% SC2\* <br> / Fidelity Management & <br> Research Company LLC<br>| 0.74% | 14.03% | 5.63% | 7.09% |
| Asset Allocation<br> &nbsp;&nbsp; Fidelity<sup>®</sup> VIP <br> FundsManager<sup>®</sup> 60% SC2\* <br> / Fidelity Management & <br> Research Company LLC<br>| 0.78% | 15.51% | 6.52% | 8.03% |
| Asset Allocation<br> &nbsp;&nbsp; Fidelity<sup>®</sup> VIP <br> FundsManager<sup>®</sup> 70% SC2\* <br> / Fidelity Management & <br> Research Company LLC<br>| 0.80% | 16.91% | 7.58% | 8.95% |
| Asset Allocation<br> &nbsp;&nbsp; Fidelity<sup>®</sup> VIP <br> FundsManager<sup>®</sup> 85% SC2\* <br> / Fidelity Management & <br> Research Company LLC<br>| 0.83% | 19.26% | 8.93% | 10.34% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type of Fund** | &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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| Large Value | &nbsp;&nbsp; American Funds IS <br> Washington Mutual <br> Investors Fund Class 4\* / <br> Capital Research and <br> Management Company<br>| 0.75% | 16.90% | 13.60% | 12.08% |
| Large Blend | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Index 500 <br> Portfolio SC 2<sup>(1)</sup> / (Advisor) <br> Fidelity Management & <br> Research Company LLC / <br> (Sub Advisor) Geode <br> Capital Management, LLC<br>| 0.34% | 17.48% | 14.03% | 14.42% |
| Large Blend | &nbsp;&nbsp; LVIP JPMorgan U.S. Equity <br> Fund - Standard Class / J.P. <br> Morgan Investment <br> Management Inc.<br>| 0.63% | 14.54% | 13.69% | 14.84% |
| 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% |
| Mid Value | &nbsp;&nbsp; MFS VIT III Mid-Cap <br> Value Portfolio Service <br> Class\* / Massachusetts <br> Financial Services <br> Company<br>| 1.04% | 5.75% | 9.90% | 9.69% |
| Mid Blend | &nbsp;&nbsp; CVT S&P Mid-Cap 400 <br> Index Class F\* / Calvert <br> Research and Management<br>| 0.53% | 6.92% | 8.55% | 10.13% |
| Mid Growth | &nbsp;&nbsp; Allspring VT Discovery <br> SMID Cap Growth <br> Fund<sup>sm(1)</sup> / Allspring Global <br> Investments, LLC<br>| 1.13% | 5.39% | -2.46% | 9.94% |
| Small Value | &nbsp;&nbsp; JPMorgan Small Cap Value <br> Fund\*<sup>(4)</sup> — A Shares / J.P. <br> Morgan Investment <br> Management Inc.<br>| 1.19% | 11.93% | 9.41% | 8.48% |
| Small Blend | &nbsp;&nbsp; BNY Mellon Investment <br> Portfolios: Small Cap Stock <br> Index Portfolio — Service <br> Shares<sup>(1)</sup> / BNY Mellon <br> Investment Adviser, Inc.<br>| 0.61% | 5.36% | 6.65% | 9.15% |
| Small Growth | &nbsp;&nbsp; ClearBridge Variable Small <br> Cap Growth 1 / Franklin <br> Templeton Fund Adviser, <br> LLC.<br>| 0.81% | 9.23% | -0.17% | 9.38% |
| Small Growth | &nbsp;&nbsp; Lord Abbett Series Fund - <br> Developing Growth <br> Portfolio\* / Lord Abbett & <br> Co. LLC.<br>| 1.04% | 14.59% | -1.17% | 11.03% |
| International Stock - <br> Developed Markets<br>| &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Overseas <br> Portfolio SC 2<sup>(1)(2)</sup> / Fidelity <br> Management & Research <br> Company LLC<br>| 0.97% | 20.05% | 6.35% | 7.66% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type of Fund** | &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 of Fund** | &nbsp;&nbsp; **Portfolio Company and**<br> **Adviser/Subadviser** | &nbsp;&nbsp; **Current** <br> **Expenses** | **1-year** | **5-year** | **10-year** |
| International Stock - <br> Developed Markets<br>| &nbsp;&nbsp; MFS VIT II International <br> Growth Portfolio Service <br> Class\* / Massachusetts <br> Financial Services <br> Company<br>| 1.13% | 20.81% | 6.80% | 9.60% |
| International Stock - <br> Emerging Markets<br>| &nbsp;&nbsp; American Funds IS New <br> World Fund Class 4\* / <br> Capital Research and <br> Management Company<br>| 1.07% | 27.92% | 5.06% | 8.98% |
| Real Estate | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Real Estate <br> SC2<sup>(3)</sup> / Fidelity <br> Management & Research <br> Company LLC<br>| 0.85% | 2.90% | 3.98% | 3.61% |
| Real Estate | &nbsp;&nbsp; Vanguard<sup>®</sup> VIF Real Estate <br> Index Portfolio / The The <br> Vanguard Group, Inc.<br>| 0.26% | 3.11% | 4.51% | 5.08% |
| Technology | &nbsp;&nbsp; Janus Henderson Global <br> Technology and Innovation <br> Fund Class S / Janus <br> Capital Management LLC.<br>| 0.97% | 24.84% | 13.44% | 21.18% |
| Intermediate-Term <br> Bond<br>| &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Investment <br> Grade Bond Portfolio SC <br> 2<sup>(1)</sup> / Fidelity Management <br> & Research Company LLC<br>| 0.62% | 6.93% | -0.21% | 2.45% |
| High Yield Bond | &nbsp;&nbsp; BlackRock High Yield V.I. <br> Class III\* / BlackRock <br> Advisers, LLC.<br>| 0.78% | 9.09% | 4.57% | 6.07% |
| Global Bond | &nbsp;&nbsp; Templeton Global Bond <br> VIP Fund — Class 4\*<sup>(2)</sup> / <br> Franklin Advisers, Inc.<br>| 0.85% | 15.56% | -1.05% | -0.25% |
| Global Bond | &nbsp;&nbsp; Vanguard<sup>®</sup> VIF Global <br> Bond Index / The Vanguard <br> Group, Inc.<br>| 0.13% | 5.69% | -0.41% |  |
| Balanced | &nbsp;&nbsp; American Funds IS <br> Managed Risk Asset <br> Allocation Fund – P2 / <br> Capital Research and <br> Management Company<br>| 0.90% | 11.67% | 6.43% | 7.17% |
| Balanced | &nbsp;&nbsp; Wilshire VIT Global <br> Allocation Fund<sup>(1)</sup> / <br> Wilshire Advisors, LLC<br>| 1.29% | 17.48% | 6.89% | 7.62% |
| Money Market | &nbsp;&nbsp; Goldman Sachs VIT <br> Government Money Market <br> Fund\* / Goldman Sachs <br> Asset Management, L.P<br>| 0.18% | 4.20% | 3.18% | 2.11% |

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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 dfinview.com/HoraceMann/TAHD/VS2MS2

(1) The following Portfolio Companies are available for Variable Annuity Payments: Wilshire VIT Global Allocation Fund, Fidelity<sup>®</sup> VIP Index 500 Portfolio SC 2, Fidelity<sup>®</sup> VIP Overseas Portfolio SC 2, Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio SC 2, Allspring VT Discovery SMID Cap Growth Fund and BNY Mellon Investment Portfolios: Small Cap Stock Index Portfolio—Service Shares.

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

(3) On and after May 1, 2026, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations.

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(4) This Portfolio Company is not available as an Investment Option in Non-Qualified Contracts.

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This Summary Prospectus incorporates by reference the Variable Solutions II and Maximum Solutions II 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 C000002950, C000002952, C000007664

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