[Form 4] HORACE MANN EDUCATORS CORP /DE/ Insider Trading Activity

Rhea-AI Filing Summary

Stephanie A. Fulks, Senior Vice President at Horace Mann Educators Corp (HMN), reported acquiring 4,336 shares of common stock on 09/23/2025 in the form of restricted stock units (RSUs). These RSUs will vest on 09/23/2027. After the reported acquisition, Ms. Fulks beneficially owns 15,976 shares in total, including an indirect holding of 0.009 shares through the Horace Mann 401(k) Plan. The disclosure indicates the transaction was a grant of equity compensation rather than an open-market purchase, increasing her stake and aligning her interests with shareholders.

Positive

• Acquisition of 4,336 RSUs increases the reporting persons stake and aligns management with shareholder interests
• RSUs vest on 09/23/2027, indicating a retention incentive tying the executive to multi-year performance

Negative

• None.

Insights

Compensation & Equity Analyst

TL;DR: Grant of 4,336 RSUs to a senior officer increases alignment with shareholders and vests over two years.

The report documents an equity compensation grant to a senior executive rather than a market transaction, which is a common tool for retention and alignment. The RSUs vest on 09/23/2027, implying a two-year service/retention horizon from the transaction date. The post-transaction beneficial ownership of 15,976 shares remains modest relative to typical institutional holdings, suggesting the grant is routine compensation rather than a significant shift in ownership.

Corporate Governance Specialist

TL;DR: Routine insider award; limited immediate governance impact but supports executive retention.

The filing shows a standard restricted stock unit award to a named executive and an indirect nominal holding via the company 401(k) plan. No disposals, pledges, or option exercises are reported. From a governance perspective, the disclosure is transparent and consistent with standard compensation practices; it does not indicate material change in control or incentive structure beyond normal executive equity compensation.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Fulks Stephanie A

(Last) (First) (Middle)

1 HORACE MANN PLAZA

(Street)

SPRINGFIELD IL 62715

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
HORACE MANN EDUCATORS CORP /DE/ [ HMN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President

3. Date of Earliest Transaction (Month/Day/Year)
09/23/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock(1)	09/23/2025		A		4,336	A	$0	15,976	D
Common Stock								0.009	I	Horace Mann 401(k) Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The acquisition of Common Stock reported hereby is in the form of restricted stock units which will vest on September 23, 2027.

Remarks:

	Linea K. Michael, Attorney in Fact for Stephanie A. Fulks	09/25/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Stephanie A. Fulks report in the HMN Form 4?

She reported an acquisition of 4,336 shares in the form of restricted stock units and a total beneficial ownership of 15,976 shares.

When do the restricted stock units reported on HMN Form 4 vest?

The RSUs are scheduled to vest on 09/23/2027.

What is Stephanie Fulks relationship to Horace Mann (HMN)?

She is reported as a Senior Vice President and an officer of the company.

Does the Form 4 show any open-market purchases or sales by the reporting person?

No; the Form 4 records a grant of RSUs (transaction code A) rather than an open-market purchase or sale.

Is there any indirect ownership reported on the HMN Form 4?

Yes; the filing shows an indirect holding of 0.009 shares through the Horace Mann 401(k) Plan.