Your Retirement Advantage® account has been established. You also need to start payroll reductions through your employer.

Required: Complete a Salary Reduction Agreement and give a signed copy to your employer:

  • View your Investor Profile included in your confirmation email
  • Scroll to the bottom to download your employer's Salary Reduction Agreement (SRA)

Required if you designated a primary beneficiary that is not your spouse:

  • Complete a Designation of beneficiary form including the Spousal Consent (on page 2)
  • Return to Horace Mann Retirement Advantage® @ PO Box 4511, Springfield, IL 62708 or fax to 217-541-8370