Frequently Asked Questions

If you are unable to register, likely causes are:

• You're not the primary owner of the policy.
• We have an incorrect Social Security number on file.
• We have an incorrect birth date on our system.

For assistance please call us at 800-999-1030 Monday through Friday from 7 AM to 7 PM Central Time (annuity, life and group) and 7 AM to 8 PM Central Time (auto and property).

For other issues and non-emergency requests, email us. Include as much information as possible, including the page where you encountered the problem and any error messages.

Register for online account access if you:

• Would like to view your account information such as coverages and contract information;
• Want to make a one-time auto, property, life and annuity payment;
• Want to sign up for our recurring electronic funds transfer payment service for auto, property, life and annuity;
• Track your claims status and view payments;
• Want to communicate securely with a Horace Mann representative.
  
  

Our customer service hours are Monday through Friday from 7 AM to 7 PM Central Time(annuity, life and group) and 7 AM to 8 PM Central Time (auto and property).

1. Click the "Register your account" link under the My Account Login section.
2. Fill out the registration form, which will match your information with our database and present your account information if accepted.

Once enrolled in the paperless option via My Profile (eCommunications), you will be sent an email notification with a link to My Account. There you will find electronic documents via your unique online account (My Account). Email notifications will be sent in lieu of paper documents via the U.S. Postal Service.

You will only receive documents that you have elected to receive electronically.

Auto: Bills, policy contracts, declarations, ID cards (in some states), Notifications/Correspondence (including cancellation notices in some states)

Annuity: Compliance materials (prospectuses, annual reports, semi-annual reports, etc.), in-force documents (correspondence, statements & confirmations) and contracts.

Shareholder Reports: Annual and semi-annual reports to your variable annuity investment options.

There may be some documents that cannot be delivered electronically due to legal and/or technological constraints in your state. These documents will be delivered to you via the U.S. Postal Service.

At this time, the paperless option is not available for Life & Property customers.

Documents will be made viewable and printable for paperless enrollees through your unique online account (My Account). You may also call us at 800-999-1030, Monday through Friday from 7 a.m. until 8 p.m. Central time.

Paperless customers may un-enroll or change their email address at any time. Upon un-enrollment, documentation will be mailed to your postal address via the U.S. Postal Service.
The following channels may be used to perform these changes:

• Logging into your account and updating the My Profile (eCommunications) section
• Contacting us at 800-999-1030, Monday through Friday from 7 a.m. until 8 p.m. Central time.

In the event an email is rejected (including: server down, mailbox full, etc.), redelivery will be attempted. If we are still unable to deliver electronic notifications, you will be alerted via the U.S. Postal Service.

You may also update your email address by using one of the methods below:

• Log in to My Account, click on My Profile and change your preferred email
• Call our Contact Center at 800-999-1030

• Residence coverage protects your dwelling and attached structures, such as garages, porches and decks.
• Related private structures coverage protects additional structures and outdoor fixtures not attached to your home, unless you use them for business.
• Medical payment coverage pays for necessary medical expenses (subject to policy limits) for non-residents injured on your property.
• Personal liability coverage protects you against injuries to others on your property and elsewhere. Plus it covers accidental damage to someone else's property.
• Basic personal property coverage protects your personal belongings anywhere in the world! The policy limits coverage for certain types of property, but you can increase these limits or insure certain valuable items.
• Coverage for additional living expenses and loss of rent covers extra reasonable and necessary costs incurred (up to your policy's limit) if you're forced to live in temporary quarters due to a covered loss or repair of your home.

Covered perils vary by policy, but Homeowners insurance typically covers:

• Fire
• Windstorm or hail
• Lightning
• Weight of ice, sleet or snow
• Smoke damage
• Explosion
• Vandalism
• Theft
• Structural collapse
• Frozen plumbing
• Glass breakage
• Falling objects
• Riot
• Falling aircraft
• Damage done by other vehicles
• Accidental water damage**
• Damage to appliances caused by electrical currents

For security, the summary page times-out after five minutes of inactivity. To avoid a time-out:

• Confirm your transaction on the summary page within five minutes;
• Move your mouse to reset the time-out time; or
• Back out of the summary page if you want to make a different selection.

Once you submit a transfer or allocation change, it shows as pending until processed. You may also receive the transaction pending message on scheduled holidays and unscheduled stock market closings. You can view the effects of changes as follows:

• A request submitted before 3 p.m. CT Monday through Friday appears the next business day at 7 a.m.
• A request submitted after 3 p.m. CT Monday through Friday appears at 7 a.m. on the second business day after the transaction.
• A request submitted after 3 p.m. CT Friday or any time Saturday or Sunday appears the following Tuesday at 7 a.m.

Life events such as birth, marriage, retirement or death can happen at any time. And when you experience a major change, it’s important to make sure your beneficiaries are up to date.

Do you have a primary and secondary beneficiary named on your account? If so, are they current? Making sure your information is accurate helps protect your assets from potentially transferring to the wrong person. And if you haven’t named a beneficiary, state law will determine who receives your assets.

Remember, keeping your beneficiary information up to date ensures that you are in control of where your assets will go when you are gone. More importantly, you can feel confident knowing your loved ones will be taken care of.

You may be interested in a more relaxed pace in your life. Worrying about your retirement accounts, or how you'll receive income from them, may not be something you want to deal with.

Let us help you. By consolidating your accounts in one place, it will be easier for you to oversee them. And with a retirement income strategy in place, you’ll know what income you can expect to have every month rather than trying to guess.

There is no cost to the Student Loan Solutions program. We offer complimentary accounts to current Horace Mann customers and public school employees, as well as no-cost district partnerships to bring Student Loan Solutions to district employees.

Sign up for a complimentary Student Loan Solutions account and you will receive an email from our technology provider, Tuition.io, with your sign-up link and instructions for creating your account.

As long as you are a Horace Mann customer and/or work in public education, you will be eligible for your complimentary Student Loan Solutions account.

Loan Coaches are available through your Student Loan Solutions account to help if you have any questions about your student loans. Loan Coaches are trained to help with federal loan forgiveness programs, loan consolidation and refinance strategies, and general student loan management.

Schedule a call or communicate via messaging – whichever you prefer. Log in to your account and select the "Student Loan Coaches" tile for assistance.

While most people associate earthquakes with the West Coast, in reality they can occur anywhere across the United States. The Federal Emergency Management Agency (FEMA) has identified five steps to take to prepare for an earthquake:

• Check for hazards in your home that might break, move, fall off or unlatch during an earthquake.
• Educate yourself and your family (e.g., how to call 911, how to turn off gas and water).
• Identify safe places to seek shelter inside and outside of the home.
• Prepare a disaster kit.
• Develop an emergency community plan.
  
  

For more earthquake preparedness tips, visit FEMA’s website.

According to the American Red Cross, floods happen more frequently and are more costly than most other natural disasters in the United States. But you can stay safe by:

• Listening to local radio and television weather reports regarding flood watches or warnings;
• Being prepared to evacuate your home with little notice;
• Moving to higher ground if a flood or flash flood warning is issued for your area;
• Avoiding driving on flooded roadways, and paying special attention at night when flooded areas are harder to see; and
• Keeping children out of standing water.
  
  

For more tips, visit the American Red Cross’ website.

While the hurricane seasons runs from June 1 through November 30, hurricanes can happen year-round. The National Hurricane Center recommends developing a family disaster plan that identifies:

• An area in your home to post emergency contact numbers.
• An evacuation plan and a location to meet once you've left your home.
• Locations where you can leave your pets.
• If you don't evacuate, a safe room in your home for each hurricane hazard.
• Your flood insurance is current.
  
  

For more information on preparing for hurricane risks and what action to take when alerted by emergency officials, visit the National Hurricane Center’s website or ready.gov.

Wildfires are a growing natural hazard in most parts of the United States as more people build homes in wooded areas and forests. Wildfires can start from any number of sources, ranging from a cigarette left unattended to a lightning strike.

Although wildfires can start unnoticed and spread rapidly, you can take steps to reduce the chances of damage or injuries:

• Find out the fire risk for your area.
• Always be ready to evacuate.
• Make safe zones around your house and property.
• Protect your house by removing excess debris from the exterior, using fire resistant siding and developing external water supply sources.
  
  

For more information on how to stay safe before, during and after a wildfire, visit FEMA’s website.