Full-Time
Agency Consultant 2
Posted on 9/15/2025
Horace Mann
1,001-5,000 employees
Insurance and financial planning for educators
Compensation Overview
$89k - $114k/yr
Iowa, USA + 2 more
More locations: Minnesota, USA | Colorado, USA
In Person
Role requires extensive travel; expect to travel ~80% of the time.
 Sales & Account Management (2) |
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- Business degree or equivalent experience
- 3+ years in successful field or agency experience
- Licenses: P&C, L&H; no securities training will be performed.
- Strong business knowledge with ability to develop effective internal relationships across business functions
- Articulate the HM story and value proposition.
- Build and maintain the agent/agency relationship with the Company.
- Consult with agents to help them identify issues and opportunities and recommend possible actions that may be taken to correct problems and improve agency operations and sales production.
- Help agencies understand and implement processes that may improve agency operations and enhance economic interest at the time of agency sale or appointment termination.
- Connect Horace Mann capabilities with local market and/or agent opportunities.
- Coach and assist agents with agency business planning to achieve targeted agency results.
- Lead agent growth through school access programs, association relationships, and marketing strategies.
- Utilize available technology, tools, and resources to analyze agent business results and improve agency operations, growth, and profitability.
- Leverage available growth programs with agents in marketplace.
- Joint work with new agents to show how to execute in-school activities, sales presentations, etc.
- End agent engagements for underperforming agents
- Coordinate with recruiting function on agent pipeline
- Thorough knowledge and understanding of repeatable sales processes, business planning, and installation of new agents.
- Travel >80%
Horace Mann specializes in insurance and financial solutions tailored for educators and community service professionals. It offers auto, home, renters, and life insurance, plus retirement planning and investment services, serving about 1 million educators in the United States. Its products work by selling individual and group insurance policies funded through premiums, and by providing financial planning services to help teachers and staff manage retirement and investments; it also supports educators through initiatives like DonorsChoose. The company differentiates itself by focusing on a niche market—education professionals—with deep knowledge of their financial needs, strong ratings from agencies, and efforts to support the education community, including data security with end-to-end encryption. Horace Mann's goal is to help educators and community service professionals achieve lifelong financial success through tailored insurance and financial solutions.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Springfield, Illinois
Founded
1945
Simplify's Take
What believers are saying
- Group benefits sales more than tripled in Q1 2026, expanding district-led growth.
- Q1 2026 core EPS rose 20% to $1.28, supporting guidance confidence.
- Brand awareness rose to 35%, creating headroom for further conversion through expanded distribution.
What critics are saying
- Catastrophe losses remain volatile, and management said favorable Q4 2025 trends will not repeat.
- Educator concentration limits growth, since Horace Mann serves about one million of eight million teachers.
- Broader carriers like Allstate and State Farm outspend Horace Mann on digital acquisition.
What makes Horace Mann unique
- Horace Mann targets educators and public servants with tailored insurance and financial products.
- Its worksite channel embeds benefits directly through school districts and public employers.
- DonorsChoose partnerships and wellness workshops deepen teacher engagement beyond standard insurance.
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People at Horace Mann who can refer or advise you
Benefits
Remote Work Options
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Growth & Insights and Company News
6 month growth
↑ 1%1 year growth
↑ 1%2 year growth
↑ 1%Horace Mann Educators reported Q4 revenue of $434.8 million, missing analyst estimates of $446.2 million despite 6.3% year-on-year growth. Adjusted earnings per share of $1.21 beat expectations by 2.8%. The educator-focused insurance company expanded its distribution network by over 15% and increased brand awareness amongst educators to 35% from below 10%. Individual supplemental sales surged nearly 40% year on year, whilst group benefits sales rose 33%. Operating margin declined to 10.5% from 11.8% the previous year. Management reported over $10 million in annualised savings from expense optimisation initiatives, including technology investments and pension plan termination. CEO Marita Zuraitis noted all segments meet or exceed profitability targets, though management cautioned that favourable catastrophe loss trends are unlikely to repeat. The company completed 2026 reinsurance renewal with expanded coverage at flat annual cost.
Horace Mann Educators, an insurance company specialising in products for educators and public service employees, reported fourth-quarter revenues of $434.8 million, missing analyst estimates of $446.2 million despite 6.3% year-on-year growth. The company's non-GAAP earnings of $1.21 per share beat expectations by 2.8%. The insurer's book value per share reached $36.47, falling short of analyst projections of $40.58. Founded in 1945, Horace Mann generates revenue through insurance underwriting, investment income from premiums, and administrative fees. Whilst the company's annualised revenue growth of 6.8% over two years exceeds its five-year trend of 5.3%, overall performance remains below sector standards. Net premiums earned comprise 71.2% of total revenue over the past five years. The company's market capitalisation stands at $1.83 billion.
Horace Mann Educators Corporation reported full-year 2025 net income of $162 million, or $3.90 per share, with record core earnings of $196 million, or $4.71 per share. Fourth-quarter net income reached $0.87 per share, with core earnings of $1.21 per share. Total revenue increased nearly 7% for the year and over 6% for the quarter, whilst net premiums and contract charges earned rose more than 7% annually and 5% quarterly. The Property & Casualty segment's combined ratio improved by over 8 percentage points to 89.7% for the full year. The company, which focuses on providing financial services to America's educators, reported adjusted book value of $40.21 per share at year-end. Management attributed the strong performance to lower catastrophe losses and solid underlying results across all segments.
Horace Mann Educators has gained 1.6% in one day and 4.9% over the past week, with shares trading at $44.81. The stock has delivered a 19.7% total return over the past year, though year-to-date performance remains weak. With annual revenue of $1.68 billion and net income of $164.1 million, analysts' consensus fair value sits at $50.67, suggesting the stock is undervalued. The bullish case highlights the company's expansion into supplemental and group benefits, growing sales force, and new partnerships with brands like Crayola, which are driving record supplemental sales growth and revenue diversification. However, a discounted cash flow model estimates fair value at just $24.88 per share, suggesting the stock may be overvalued. Key risks include concentration in the educator niche and potential catastrophe losses affecting margins.
Proficio Capital Partners LLC makes new $428,000 Investment in Horace Mann Educators Co. (NYSE:HMN).