We believe in taking care of those who serve others. That's why public and non-profit employers have chosen Horace Mann as their retirement partner for comprehensive retirement services.

We help you manage all aspects of your plan, including administration, fiduciary support*, effective employee communications and more.

*Available on Retirement Advantage only.

Horace Mann isn’t new to the 403(b) market – in fact, we were one of the first companies to offer 403(b) annuities to teachers when the IRS made them available to educators in 1961. We understand you have many responsibilities, and we can help take work off your plate.

To help meet the needs of today’s changing 403(b) marketplace, we’ve introduced Personal Retirement Planner, which offers you and your employees a competitive qualified group variable annuity.

Horace Mann provides retirement products for more than 4,000 public school districts’ retirement plans nationally, giving us a unique perspective on the retirement challenges facing you and your employees.

We designed our Retirement Advantage product to meet those unique challenges, and it's offered for 403(b), 457(b) and 401(a) plans.

Horace Mann annuity products are underwritten by Horace Mann Life Insurance Company (HMLIC).

This information represents Horace Mann Personal Retirement Planner™ Flexible Premium Deferred Fixed Indexed Annuity II contract form ICC17-471 and indexed account endorsement forms ICC16-A01 andICC16-A02.

HMLIC reserves the right to limit premium payments after the first contract year to a maximum of $25,000 each contract year. The maximum cumulative premium that may be placed in the contract is $1 million without our prior approval.

While you can receive the benefits of tax deferral in any product used in a tax-qualified retirement plan, an annuity offers additional benefits, including a death benefit and the opportunity to choose lifetime income options. In order to offer these benefits, there will be additional fees included in the annuity. There are no additional tax benefits in an annuity when used in a qualified plan.

Horace Mann Investors, Inc. offers Horace Mann Retirement Advantage™ as 403(b), 457(b) and 401(a) investment options through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a DE Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715.

Custodial services are provided by Matrix Financial Solutions, 717 17th Street, Denver, CO 80202.

Retirement Advantage is not structured to the individualized needs of a particular plan, participant or beneficiary. The plan sponsor is responsible for selecting and monitoring investment options in which participants and beneficiaries may invest.

The information provided here is for general informational purposes only and should not be considered a recommendation or investment, tax or legal advice. A plan sponsor should consult its own tax and legal advisors regarding the eligibility to offer a 403(b), 457(b) or 401(a) plan, the design and ongoing administration of the plan and compliance of the plan with the Internal Revenue Code, IRS regulations and other applicable law.

In providing the proposed services described herein, Horace Mann is not undertaking to provide impartial investment advice to the plan or give the plan advice in a fiduciary capacity. Horace Mann will undertake no discretionary responsibility or authority over the management or administration of the plan or the management or disposition of assets of the plan. Accordingly, Horace Mann will not be a fiduciary to the plan with respect to its provision of such services.

Investment management and advisory services, if selected, are provided by SWBC Investment Advisory Services, LLC, d/b/a SWBC Retirement Plan Services, a registered investment adviser with the Securities and Exchange Commission. Horace Mann Service Corporation and its affiliates are not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity by providing access to SWBC’s services through Retirement Advantage.

Horace Mann Service Corporation and its affiliates are not recommending that you select, or consider the advisability of selecting, SWBC to provide investment advice or investment management services to your plan. If you wish to use SWBC, you must independently determine whether to select SWBC and whether to continue with SWBC as a client based on your own monitoring of SWBC’s performance.

HMSVS is not a mutual fund or other security. In an unallocated annuity, the recordkeeper maintains the records for the individual not the insurance company. Horace Mann Life Insurance Company has a financial interest in the HMSVS retaining the investment earnings in its general account that exceed the interest rate credited to individual accounts under the HMSVS (also referred to as the spread).