Insurance Agent
About the job
- Possess or be able to obtain resident-state General Lines licenses in Life and Health and Property and Casualty.
- Be willing to invest time and resources to ensure business success.
- Solve the financial challenges educators face.
- Present to potential customers one-on-one and in large groups with confidence and enthusiasm.
- Participate in networking, community, sales, and industry events to expand professional connections.
- Engage with the local community and learn about new products and services.
- Stay up to date with the latest industry trends.
- Acquire market entry and cultivate strong connections.
- Prospect and work within established books of business while building a practice.
- Use value-added services to reach the target client base.
- Participate in market and relationship-building programs.
About the company
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
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Simplify's Take
What believers are saying
- October 1, 2026 ESI acquisition immediately expands fee-based employee assistance revenue.
- Q2 2026 core EPS hit $1.17, and full-year guidance rose to $4.60-$4.90.
- P&C combined ratio improved to 89.6, showing underwriting gains into 2026.
What critics are saying
- Reserve National and MedMutual Life close in Q1 2027, pending regulatory approvals.
- Catastrophe losses still drive earnings volatility; 2026 guidance assumes only $75 million.
- Concentration on educators limits growth; losing district payroll access would cripple distribution.
What makes Horace Mann unique
- Horace Mann serves educators, with 2026 acquisitions deepening school-district and employer relationships.
- Its July 21, 2026 Medical Mutual deal adds one million covered lives and 1,000 brokers.
- The educator brand supports cross-selling life, supplemental, retirement, and employee assistance products.
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Benefits
Remote Work Options
Hybrid Work Options
Growth & Insights and Company News
6 month growth
↑ 4%1 year growth
↑ 4%2 year growth
↑ 4%Horace Mann Educators Corporation has completed its acquisition of Employee Services, LLC (ESI) from Medical Mutual of Ohio. ESI is an employee assistance programme provider offering confidential counselling, work-life assistance, and resources to help employees address personal and professional challenges. The acquisition expands Horace Mann's ability to serve school districts and other employers beyond its existing insurance and financial solutions. Marita Zuraitis, Horace Mann's president and chief executive officer, said the addition of ESI represents an important step in the company's mission to help educators and community servants succeed. Horace Mann initially announced the ESI acquisition on 21 July 2026 as one of two separate agreements with Medical Mutual of Ohio. The second transaction, involving Reserve National Insurance Company, is expected to close in the first quarter of 2027.
Horace Mann Educators reported record second-quarter core earnings of $1.17 per share, up more than 10% year over year, and raised its 2026 full-year guidance to $4.60–$4.90 per share. Property and casualty core earnings rose 56% to $26 million, with the combined ratio improving to 89.6. The insurer lowered its 2026 catastrophe-loss assumption to approximately $75 million from $90 million. Benefits and life sales increased 44% and 20% respectively. Individual supplemental sales rose 5%, whilst life sales grew 20% due to investments in agent recruiting and training. The company reduced its full-year investment income outlook to $465–$475 million, citing pressure on alternative investment returns from higher interest rates. Acquisitions announced in July are expected to add roughly $0.40–$0.50 to annual earnings beginning in 2027.
Horace Mann keeps its credit ratings unchanged as it expands benefits operations with a deal involving Medical Mutual of Ohio and new acquisitions.
Horace Mann expands employee benefits business with $240 million deal. Horace Mann has agreed to acquire several businesses from Medical Mutual of Ohio for a total net purchase price of approximately $240 million. Under two separate agreements, Horace Mann will acquire employee assistance provider Employee Services, LLC and all outstanding shares of Reserve National Insurance Company, which operates an individual supplemental insurance platform. Horace Mann will also reinsure Medical Mutual's group life and disability business, while Medical Mutual retains the underlying legal insurance entity. Together, the businesses generate nearly $200 million in annual revenue, cover more than one million people across approximately 7,000 employer relationships and distribute through more than 1,000 agents and brokers. Horace Mann said the transactions will expand its employer offerings and distribution capabilities while adding high-margin insurance operations and recurring fee-based revenue. The deals are expected to immediately increase core earnings per share and return on equity. The Employee Services acquisition is expected to close in the fourth quarter of 2026. The Reserve National acquisition and reinsurance transaction are expected to close in the first quarter of 2027, subject to customary conditions and regulatory approvals. Get Coverager to your inbox. A really good email covering top news.
Horace Mann Educators Corporation has agreed to acquire Employee Services, LLC and Reserve National Insurance Company from Medical Mutual of Ohio in two separate transactions. The deals will add nearly $200 million in annual revenue, serve over one million covered lives across approximately 7,000 employer relationships, and expand Horace Mann's distribution network by more than 1,000 agents and brokers. Medical Mutual will retain MedMutual Life Insurance Company as a legal entity whilst Horace Mann reinsures its group life and disability business. The transactions are expected to be immediately accretive to Horace Mann's core earnings per share and return on equity. Marita Zuraitis, Horace Mann's chief executive officer, said the acquisitions align with the company's strategy of strengthening customer relationships and expanding its employer value proposition whilst delivering attractive shareholder returns.