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What are fixed, variable and indexed annuities?

Fixed annuities

Fixed annuities help accumulate money for retirement by compounding interest on the money you put into them. Your payments earn a fixed rate of interest. While fixed annuities are a low-risk investment, they are backed only by the financial strength of the issuing life insurance company.

Variable annuities

Variable annuities allow you to invest in a number of variable investment options which in turn invest in a variety of underlying mutual funds. This causes the annuity’s value to fluctuate with market conditions and may result in the loss of the money invested.

Indexed annuities

An indexed annuity is a type of deferred annuity whose interest is tied to the performance of an outside measure such as the S&P 500 Index. While indexed annuities reduce the downside of market risk, they also limit the potential for gains.

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 insurance representative or by calling 1-800-999-1030. 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.

Indexed annuities offered by Horace Mann are underwritten by Lincoln Financial Group and by Horace Mann Life Insurance Company.