Putting a child through college is one of the most expensive challenges. To help you face this challenge, Horace Mann offers American Funds’ CollegeAmerica 529 Plan. Like all 529 savings plans, it features:

• Tax advantages with which earnings grow tax-deferred.
• Withdrawals for qualified higher education expenses that are free from federal income tax (tuition, room and board, and required books and supplies).
• Tax advantages, deductions or credits are allowed in many states for contributions and limited taxability for distributions used for higher education expenses.
• Potential for federal and state income tax and a 10% tax penalty on earnings for non-qualified withdrawals.
• Portability, allowing its use to pay for any accredited college (not just in your state) for undergraduate, graduate, post-graduate and technical training.
• Contributions of up to $13,000 per year without gift tax consequences. That's $26,000 per married couple.
• No income limits, so you can contribute no matter how much you earn.
• No restrictions on which member of the family you save for – a child, grandchild, niece, nephew, friend or yourself.
• Control of assets, allowing you to decide when to make withdrawals.

But with CollegeAmerica, you'll also benefit from unique features, including:

• A menu of 22 American Funds mutual funds in which to invest.
• Flexibility to move funds annually or when changing beneficiaries.
• Experienced investment management from professionals with an average of 24 years experience.
• Operating expenses among the lowest in the mutual fund industry.

As with all securities, CollegeAmerica involves a risk of loss, including a loss of principal and does not guarantee that contributions and earnings will be adequate to cover your child’s future college costs. Also, 529 college savings holdings could impact the beneficiary’s ability to qualify for grants and student loans. CollegeAmerica is sponsored by Virginia College Savings Plan. 529 college savings plans vary by state, including contribution limits, state tax advantages, investment options, fees and expenses. Tax laws are subject to change; and depending on your state of residence, there may be an in-state plan that provides tax and other benefits not available through CollegeAmerica. You should consult with a tax advisor before investing in any state’s 529 plan.

Horace Mann Investors, Inc., member FINRA / SIPC, is located at #1 Horace Mann Plaza, Springfield, IL 62715. Horace Mann Investors, Inc. distributes the college savings plans and mutual funds offered by American Funds. You can receive a prospectus and the CollegeAmerica Program Description from your Horace Mann representative or by calling American Funds at 800-421-9900, #2. You should read the prospectus and the CollegeAmerica Program Description carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. The prospectus and program description will provide complete information about the CollegeAmerica 529 Plan.

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