Full-Time
Product Owner Specialist 2
Property & Casualty
Posted on 9/17/2025
Horace Mann
1,001-5,000 employees
Insurance and financial planning for educators
Compensation Overview
$61.9k - $91.3k/yr
Springfield, IL, USA
In Person
 Product (1) |
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- H.S. Diploma or GED equivalent, required.
- Bachelor’s degree in Business, Computer Science, Information Systems, or related field preferred.
- Experience as a Product Owner, Business Analyst, or related role within insurance, financial services, or IT.
- Strong understanding of agile methodologies and product management practices.
- Ability to evaluate risks, analyze business processes, and provide strategic recommendations.
- Strong communication and collaboration skills with experience engaging stakeholders and end-users.
- Familiarity with UX design principles and ability to coordinate with design teams.
- Proven ability to translate business goals into actionable product features and long-term roadmaps.
- Monitor and analyze risks associated with project plan deployment.
- Ensure that P&C information systems maximize value and align with business goals.
- Build strong relationships across business units for strategic alignment.
- Translate business vision into specific system features and long-term roadmaps.
- Define upcoming features for development teams with clarity and detail.
- Prepare and lead backlog refinements and sprint planning sessions.
- Introduce innovative ideas for system features that enhance business performance.
- Evaluate business processes and provide key recommendations for efficiency improvements.
- Support initiatives that improve service quality and streamline workflows.
- Carry tasks through from start to finish with accountability for outcomes.
- Involve stakeholders and end-users in system development, ensuring active participation.
- Keep end-user needs at the center of development decisions.
- Discuss and define non-functional requirements directly with end-users.
- Coordinate with UX designers to deliver user-friendly solutions.
- Help agile and IT teams understand and integrate UX requirements.
- Ensure system features and processes align with customer experience goals.
- Bachelor’s degree in Business, Computer Science, Information Systems, or related field preferred.
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
- Q1 2026 core EPS hit $1.28, up 20% year-over-year with life sales rising 17%.
- Property & Casualty combined ratio improved to 83.3% in Q1 2026 from lower catastrophes.
- Madison National acquisition in 2022 triples group benefits sales through 2026.
What critics are saying
- September 2025 data breach exposes SSNs of 172,000 Massachusetts customers to lawsuits.
- Cigna launches educator supplemental insurance March 15, 2026, at 25% lower premiums.
- Vanguard's January 2026 robo-advisor shifts $500M educator assets by 2027.
What makes Horace Mann unique
- Horace Mann exclusively targets K-12 educators with tailored auto, home, and life insurance.
- Catalyst AI platform launched January 29, 2025, automates agent marketing for educators.
- Student Loan Solutions tool identifies $28.8 million in forgiveness for educators since 2024.
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Benefits
Remote Work Options
Hybrid Work Options
Company News
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).