Fund Fact Sheets

Use the following fund fact sheets to help determine if a particular underlying fund should be part of your variable annuity investment portfolio.

Definitions

Description of the Funda short description of the fund's investment policy

Sector Weightings

a listing of the market sectors in which the fund invests

Top 10 Holdings

the top 10 stocks or bonds held by the fund

Total Net Assets

how much money the fund has to invest

Fund Composition

a summarized breakdown of the fund's investments

Beta (if applicable)

a measure of the volatility, or systematic risk, of the fund in comparison to the market as a whole

Benchmark

a standard against which the performance of the fund can be measured

Manager Information

background information on the person(s) or team that manages the fund

Fund Fact Sheets

*These funds are not available as investment options in non-qualified contracts.

The sponsoring employer of a qualified plan may limit the underlying funds available in its plan.

Horace Mann Life Insurance Company underwrites Horace Mann annuity products. Horace Mann’s variable annuities are distributed by Horace Mann Investors, Inc., member FINRA. Horace Mann Investors, Inc. is located at #1 Horace Mann Plaza, Springfield, IL 62715.

You can receive variable annuity prospectuses from your Horace Mann representative or by calling 800-999-1030. You should read the contract prospectus and the underlying investment option prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about Horace Mann's variable annuity contracts, Horace Mann Life Insurance Company and the underlying investment options.

WBAN-0505 (05/12)

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