Other Important Disclosures

Horace Mann Investors, Inc. offers mutual funds 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. This information must be preceded or accompanied by the current prospectuses. You can request prospectuses from the Horace Mann Retirement Advantage Team, by calling 877-602-1870 or logging into your account at HoraceMann.com/myaccount. You should read the prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

Retirement Advantage is not structured to the individualized needs of a particular plan, participant or beneficiary. Each investor needs to carefully review the Retirement Advantage benefits, charges and fees, as well as the underlying investment options, and make an independent determination concerning whether to purchase the product and which investment options to select and hold. The cumulative effect of fees and expenses can substantially reduce the growth of retirement savings. For more information on Horace Mann’s Retirement Advantage fees and expenses, contact your Horace Mann financial professional or visit our website.

The earnings potential of each mutual fund reflects the degree of risk associated with it. The higher the potential return, the higher the degree of risk, including the possibility of loss of principal.

Large-cap U.S. stock funds invest primarily in stocks that fall in the top 70% of the U. S. equity market capitalization range as defined by Morningstar.

Small-cap and mid-cap mutual funds are subject to more fluctuation in value and may have additional risks than other mutual funds with stocks of larger, more stable companies.

International and global mutual funds are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies, and other economic and political environments.

Real estate mutual funds are subject to investment and liquidity risk and other risks inherent with real estate such as those associated with general and local economic conditions. Property values can decline due to environmental and other reasons. In addition, fluctuation in interest rates can negatively impact the performance of real estate mutual funds.

Fixed income securities (such as bond funds) are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

While bond funds are frequently used to help stabilize an investment program, bond funds do not guarantee the return of the principal investment. Interest rates, inflation and credit risks can affect the net asset value of the bond fund, and ongoing fees and expenses are charged on shares of bond funds.

High-yield bonds are subject to a higher level of credit and market risks. Target maturity or “Lifecycle” funds are managed for investors planning to retire (or to begin withdrawing substantial portions of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of Lifecycle funds is not guaranteed at any time.

The Horace Mann Stable Value Solution (HMSVS), if available, is underwritten by Horace Mann Life Insurance Company (HMLIC). The HMSVS is a group unallocated fixed annuity. The guarantees in the HMSVS are based on the financial stability and claims paying ability of HMLIC. The HMSVS fact sheet provides additional information. 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).

Not all investment options and asset classes are available in all products.

WBIA-0017 (May 20)

© 2021 Horace Mann Educators Corporation

CUSTOMER SERVICE Call 800-999-1030

  • Auto and Property
    M – F, 7 a.m. - 8 p.m. Central time.
  • Life, Annuity and Group
    M – F, 7 a.m. - 7 p.m. Central time.