Confirmation

Your Retirement Advantage account has been established.
You also need to start payroll reductions through your employer

Required: Complete a Salary Reduction Agreement and give a signed copy to your employer

• View your Investor Profile included in your confirmation email
• Scroll to the bottom to download your employer's Salary Reduction Agreement (SRA)

Required if you designated a primary beneficiary that is not your spouse:

• Complete a Designation of beneficiary form including the Spousal Consent (on page 2)
• Return to Horace Mann Retirement Advantage^TM @ PO Box 4511, Springfield, IL 62708 or fax to 217-541-8370