Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty (primarily private passenger automobile and homeowners) insurance, retirement annuities (primarily tax-qualified products) and life insurance in the United States of America. The Company has four segments: property and casualty insurance, annuity products, life insurance, and corporate and other. HMEC’s principal insurance subsidiaries are Horace Mann Life Insurance Company (HMLIC), Horace Mann Insurance Company (HMIC), Horace Mann Property & Casualty Insurance Company (HMPCIC), Teachers Insurance Company (TIC) and Horace Mann Lloyds (HM Lloyds). The Company markets its products primarily to K-12 teachers, administrators and other employees of public schools and their families. Horace Mann markets and services its products primarily through a sales force of full-time agents.