Horace Mann life insurance products 

Help protect the people you love.  Below you can learn about the life insurance products we offer that can help protect those who depend on you for financial support.

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Protect what matters most

Life insurance is a crucial part of your financial plan. It helps your family - spouse, children, parents - with financial resources if you should pass away.

We all have hopes and dreams for our families and for our future. By having life insurance, you can help ensure that your loved ones' hopes and dreams become a reality even if you're not there to make them come true. Horace Mann life insurance policies can provide more than just a death benefit – our policies offer additional benefits, called riders, which enhance the overall value of your policy. Scroll down to learn more.

Horace Mann term life insurance products

Term life insurance

Term life insurance provides a death benefit for a limited time. It’s typically more cost-effective than a permanent life insurance policy. Term life is the most basic life insurance policy you can purchase. You pay a set premium for a specified term duration, and we guarantee a set death benefit during the specified term. You can choose a specified term duration of 10, 15, 20 , or 30 years.

At the end of that term, you’re no longer protected and will have to make a decision – you can either apply for a new policy or exchange this policy for a permanent whole life policy (as permitted by the conversion benefit that is included in your term policy).

   Female Female Male Male
Death Benefit  $500,000 $1,000,000 $500,000 $1,000,000
 Age: 25  $23.19  $38.06  $31.50  $52.06
 Age: 35  $29.75  $49.44  $34.56  $56.44
 Age: 45  $50.75  $92.31  $70.44  $129.06

This table shows sample monthly premiums for a 20-year Term life insurance product.
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Cash Value Term life insurance

Our Cash Value Term life insurance product offers the same benefits as traditional term with one unique twist -- this policy offers a cash back option! The cash back* option is possible due to a cash value account that grows with each premium payment.

What could you use that cash for? Anything you want! It could pay for a new car, help pay off a mortgage or loan, help with children’s education expenses or purchase a dream vacation. It’s your money, so the choice is yours. Remember that, as long as the premiums are made on time and the policy does not terminate, then you have life insurance protection as well.

Horace Mann permanent life insurance products

Permanent life insurance provides a death benefit for as long as you live and it’s typically more expensive than a term life insurance policy. We offer two types of permanent life insurance policies: whole life and indexed universal life.

Horace Mann's whole life insurance products

Whole life insurance can provide guaranteed protection for the rest of your life. Our whole life policies offer a guaranteed death benefit along with a cash value account that can be used for things like policy loans or whatever the policy owner wants.** As long as the premium payments are made on time, the whole life policy will not terminate. We offer four premium payment options:

  • Life Select Whole Life – premiums payable to insured’s age 120
  • Life Select 20 – premiums payable for 20 years
  • Life Select 65 – premiums payable to insured’s age 65
  • Life by Design Single Premium Whole Life – one single premium

Premiums will remain level for the premium payment period described below. View the product brochures below to learn more.

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Horace Mann Pathfinder Indexed Universal Life insurance

Our Pathfinder Indexed Universal Life (IUL) insurance policy provides permanent protection and generates long-term cash value accumulation that can help protect your financial future. In contrast to a whole life policy, an IUL policy can give the option to adjust your premium payment amounts within a specific range. This provides flexibility to better deal with changing circumstances. The cash value account allows you to prepare for the unexpected, as well as help fund other financial goals such as creating supplemental retirement income. 
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Examples of riders offered on Horace Mann life insurance products

  • Accidental Death Benefit Rider

    This rider provides for an additional death benefit if the insured’s death results from an accident. In many cases, the death benefit provided by this rider would double the death benefit paid out to the beneficiary.
  • Accelerated Death Benefit Rider

    We offer two versions of this rider: a chronic illness and a terminal illness rider. With this rider, if the insured is diagnosed with a chronic or terminal illness, they can use a portion of their death benefit for chronic illness or other living expenses.
  • Charitable Giving Benefit Rider
    This rider provides an additional 1% of the death benefit, at no cost to the insured, to a non-profit charitable organization of the insured’s choosing.
  • Children’s Term Rider

    This rider provides term life insurance coverage for all children of the insured. This is a great way to add life insurance coverage on a child.
  • Guaranteed Insurability Benefit Rider

    This rider will let you purchase additional life insurance coverage, at specific dates in the future, without any new underwriting.
  • Waiver of Premium Rider

    With this rider, if the insured becomes permanently disabled, then the premium payments required for the life insurance policy would be waived (i.e., no longer needed).
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Why life insurance?
Life insurance is an important part of your financial wellness.
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How much life insurance do I need?
We can help you determine the right amount of coverage.,
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Life insurance basics
We can help you learn what life insurance is and what are the different types of life insurance policies.

*You would have to surrender the policy in order to receive the full amount of cash back.

**A reduction in cash value or a loan on the policy may result in a decrease in the death benefit payable under the policy. Refer to your life insurance contract for full details.

Horace Mann Life Insurance Company underwrites Horace Mann life insurance products. Proof of insurability is required to purchase coverage. Not all products are available in all states.

This information represents Horace Mann’s Life by Design term life insurance contracts ICC18-353 and alternate forms, cash value term life insurance contracts ICC12-351 and IC-351000 and alternate forms, Charitable Giving Benefit Rider ICC18-763 and alternate forms, Accelerated Death Benefit Rider – Terminal Illness ICC21-770, Accelerated Death Benefit Rider – Chronic Illness ICC21-769, Guaranteed Insurability Benefit Rider ICC18- 762 and alternate forms, Waiver of Premium Benefit Rider IC-738000 and alternate forms and IC-746000 and alternate forms, Accidental Death Benefit Rider ICC18-761, and Children’s Level Term Life Insurance Rider ICC18-862 and alternate forms.

This information represents Horace Mann’s Life Select whole life insurance contract ICC18-155 and alternate forms. Optional benefit rider form numbers: Charitable Giving Benefit Rider ICC18-763; Accelerated Death Benefit Rider - Terminal Illness ICC21-766; Accelerated Death Benefit Rider - Chronic Illness ICC21-767; Accidental Death Benefit Rider ICC18-761; Guaranteed Insurability Benefit Rider ICC18-762; Waiver of Premium Benefit Rider IC-748000; Children’s Level Term Life Insurance Rider ICC18-862; primary insured term rider ICC18-863 and additional insured term rider ICC18-864, plus alternate forms.

This information represents Horace Mann Pathfinder Indexed Universal Life Insurance contract ICC15-152 and alternate forms. Included benefit rider form numbers; Charitable Giving Benefit Rider ICC19-764 and alternates; Accelerated Death Benefit Rider - Terminal Illness ICC15-750 and alternates; Accelerated Death Benefit Rider - Chronic Illness ICC15-749 and alternates; and Overloan Protection Rider ICC15-754 and alternates. Optional benefit rider form numbers; Waiver of Monthly Deduction Rider ICC15-752 and alternates; Automatic Increase Benefit Rider ICC15- 755 and alternates; Children’s Level Term Life Insurance Rider ICC15-857 and alternates; Owner’s Disability and Death Waiver Rider ICC15-753 and alternates; and Accidental Death Benefit Rider ICC15-751 and alternates.

Horace Mann Pathfinder Indexed Universal Life is a flexible premium life insurance policy that offers a death benefit to the beneficiaries of the policy. Products and features may not be available in all states. Policy issuance is subject to availability and the outcome of the underwriting process. The policy has exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination or other contractual rights and benefits.

The information provided here is for general informational purposes only, and should not be considered a recommendation or investment, tax or legal advice.