Horace Mann Educators Corp. is a holding company that engages in the market and underwrites personal lines of property and casualty primarily personal lines automobile and homeowners insurance, retirement annuities, including primarily tax-qualified products and life insurance in the United States. It operates through the following business segments: Property and Casualty Insurance; Annuity Products and Life Insurance; Corporate and Other. The Property and Casualty Insurance products primarily include private passenger automobile and property insurance including homeowners insurance, replacement cost on contents coverage, identity theft services and renters insurance. The Life Insurance segment offers traditional term, whole life insurance, universal life insurance, variable universal life insurance products and from time to time, revises products and product features or develops new products. The Corporate and Other segment includes interest expense on debt, the impact of realized in