Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty insurance, retirement annuities and life insurance in the United States of America (U.S.). The Company operates in three segments, including property and casualty insurance, annuity products and life insurance. The property and casualty product is a private passenger automobile insurance. The Company markets both fixed and variable annuity contracts, on a tax-qualified basis. The Company offers traditional term and whole life insurance products and product features or develops new products. HMEC's principal insurance subsidiaries are Horace Mann Life Insurance Company (HMLIC), Horace Mann Insurance Company (HMIC), Horace Mann Property & Casualty Insurance Company (HMPCIC) and Teachers Insurance Company (TIC) and Horace Mann Lloyds (HM Lloyds).