Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty (primarily personal lines automobile and homeowners) insurance, retirement annuities (primarily tax-qualified products) and life insurance in the United States. The Company operates through three business segments: Property and Casualty, Annuity and Life. The Company's Property and Casualty Segment offers private passenger automobile insurance. HMEC's Annuity Segment markets both fixed and variable annuity contracts, primarily on a tax-qualified basis. The Company's Life Segment offers traditional term and whole life insurance products.