Fees and Expenses [Text Block]

Fees, Expenses, and Adjustments

Location in

Statutory

Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

Yes. The Contract currently does not include any charges for withdrawals or

surrenders from the Contract.

The Contract -

Deductions and

Expenses -

Surrender Charges

Are There Transaction

Charges?

No. Aside from the charges for early withdrawals described above and

potential premium taxes, there are no charges for Contract Owner

transactions.

The Contract -

Transactions

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected.				The Contract - Deductions and Expenses - Mortality and Expense Risk Fee (“M&E Fee”) The Contract - Deductions and Expenses - Annual Maintenance Fee Additional Information About Fees - Annual Portfolio Company Expenses
	Annual Fee	Minimum		Maximum
	Base Contract	1.28% of the Account Value		1.28% of the Account Value
	Investment Options (Portfolio Company Fees and Expenses)	0.04% as a percentage of Portfolio Company assets		1.34% as a percentage of Portfolio Company assets
	Optional Benefits Available for an Additional Charge (For a Single Optional Benefit, if Elected)	No optional benefits are available.		No optional benefits are available.
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.
	LOWEST ANNUAL COST:		HIGHEST ANNUAL COST:
	$1,341		$2,638
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive combination of Portfolio Company fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals		●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of Portfolio Company fees and expenses and optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals

Charges for Early Withdrawals [Text Block]

Are There Charges or

Adjustments for Early

Withdrawals?

Yes. The Contract currently does not include any charges for withdrawals or

surrenders from the Contract.

The Contract -

Deductions and

Expenses -

Surrender Charges

Transaction Charges [Text Block]

Are There Transaction

Charges?

No. Aside from the charges for early withdrawals described above and

potential premium taxes, there are no charges for Contract Owner

transactions.

The Contract -

Transactions

Ongoing Fees and Expenses [Table Text Block]

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected.				The Contract - Deductions and Expenses - Mortality and Expense Risk Fee (“M&E Fee”) The Contract - Deductions and Expenses - Annual Maintenance Fee Additional Information About Fees - Annual Portfolio Company Expenses
	Annual Fee	Minimum		Maximum
	Base Contract	1.28% of the Account Value		1.28% of the Account Value
	Investment Options (Portfolio Company Fees and Expenses)	0.04% as a percentage of Portfolio Company assets		1.34% as a percentage of Portfolio Company assets
	Optional Benefits Available for an Additional Charge (For a Single Optional Benefit, if Elected)	No optional benefits are available.		No optional benefits are available.
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.
	LOWEST ANNUAL COST:		HIGHEST ANNUAL COST:
	$1,341		$2,638
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive combination of Portfolio Company fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals		●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of Portfolio Company fees and expenses and optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals

Base Contract (of Other Amount) (N-4) Minimum [Percent]

1.28%

Base Contract (of Other Amount) (N-4) Maximum [Percent]

1.28%

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.04%

Investment Options (of Average Annual Net Assets) Maximum [Percent]

1.34%

Optional Benefits Minimum [Percent]

0.00%

Optional Benefits Maximum [Percent]

0.00%

Lowest Annual Cost [Dollars]

$ 1,341

Highest Annual Cost [Dollars]

$ 2,638

Risks [Table Text Block]

	Risks
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this Contract, including loss of principal.	Principal Risks of Investing in the Contract – Risk of Loss
Is this a Short-Term Investment?	No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long-time horizon.	Principal Risks of Investing in the Contract – Not a Short-term Investment

What Are the Risks Associated with the Investment Options?	An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract (e.g., Portfolio Companies). Each Investment Option (including any fixed account Investment Option) will have its own unique risks. You should review these Investment Options before making an investment decision.				Location in Statutory ProspectusPrincipal Risks of Investing in the Contract – Risks Associated with Investment Options
What Are the Risks Related to the Insurance Company?	An investment in the Contract is subject to the risks related to Horace Mann Life Insurance Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http:// www.horacemann.com/why-us/a-history-of-financial-strength.				Principal Risks of Investing in the Contract – Insurance Company Risks

Investment Restrictions [Text Block]

Yes. HMLIC reserves the right to remove or substitute Underlying Funds as Investment Options that are available under the Contract.At any time before the Contract’s Annuity Date, You may transfer amounts from one Subaccount to another, and to and from the fixed account of the Contract, subject to certain restrictions.We reserve the right to restrict or terminate the transfer privilege for any specific Contract Owner if, in Our judgment, the Contract Owner is using the Contract for the purposes of market timing or for any other purpose that We, in Our sole discretion determine to be potentially detrimental to other shareholders of an Underlying Fund.If HMLIC determines that You are engaging in a pattern of transfers that reflects a market timing strategy or is potentially harmful to other Contract Owners, it will notify You in writing of any restrictions.

Key Information, Benefit Restrictions [Text Block]

No optional benefits are available.

Tax Implications [Text Block]

An investor should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. There is no additional tax benefit to the investor when the Contract is purchased through a tax-qualified plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

Investment Professional Compensation [Text Block]

Some investment professionals may receive compensation for selling a contract to investors. This compensation is typically paid in the form of commissions, but the sale of the Contract may also count toward the investment professional’s qualification for receipt of cash and non-cash compensation related to sales incentives or contests. These investment professionals may have a financial incentive to offer or recommend the Contract over another investment.

Exchanges [Text Block]

Some investment professionals may have a financial incentive to offer an investor a new contract in place of the one he or she already owns. That investor should only exchange his or her existing Contract if he or she determines, after comparing the features, fees, and risks of both contracts, that it is preferable for him or her to purchase the new Contract rather than continue to own the existing contract.

Item 4. Fee Table [Text Block]

Fees

The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected. The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender or make withdrawals from the Contract, or transfer Account Value between Investment Options. State premium taxes may also be deducted. Transaction Expenses

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None
Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)	None
Transfer Fee	None

The next table describes the fees and expenses that You will pay each year during the time that You own the Contract (not including Portfolio Company fees and expenses). Annual Contract Expenses

Administrative Expenses (1)	$35 (2)
Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))	1.25%
Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))	N/A
Loan Interest	8%

(1)We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. (2)For Contracts issued on and After May 1, 2019.The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that You may pay periodically during the time that You own the Contract. Expenses shown may change over time and may be higher or lower in the future. These amounts also include applicable platform charges if you choose to invest in certain Portfolio Companies. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.

Annual Portfolio Company Expenses	Minimum	Maximum
(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.04%	1.34%

Transaction Expenses [Table Text Block]

Transaction Expenses

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None
Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)	None
Transfer Fee	None

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Amount Surrendered), Current [Percent]

0.00%

Transfer Fee, Current [Dollars]

$ 0

Annual Contract Expenses [Table Text Block]

Annual Contract Expenses

Administrative Expenses (1)	$35 (2)
Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))	1.25%
Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))	N/A
Loan Interest	8%

Administrative Expense, Current [Dollars]

$ 35

Administrative Expense, Footnotes [Text Block]

We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. (2)For Contracts issued on and After May 1, 2019.

Base Contract Expense (of Average Account Value), Current [Percent]

1.25%

Annual Portfolio Company Expenses [Table Text Block]

Annual Portfolio Company Expenses	Minimum	Maximum
(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.04%	1.34%

Portfolio Company Expenses [Text Block]

(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)

Portfolio Company Expenses Minimum [Percent]

0.04%

Portfolio Company Expenses Maximum [Percent]

1.34%

Surrender Example [Table Text Block]

If You surrender Your Contract at the end of the applicable time period:	1 year	3 years	5 years	10 years
	$2,638	$8,095	$13,803	$29,248

If You surrender Your Contract at the end of the applicable time period:	1 year	3 years	5 years	10 years
	$2,628	$8,066	$13,756	$29,161

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the Contract Risk of Loss—The Contract involves investment risk, including the loss of the principal amount invested. Not a Short-term Investment—The Contract is not suitable as a short-term savings vehicle. It is designed for individuals seeking long-term, tax-deferred accumulation of funds. Purchasing the Contract as an investment vehicle for a Qualified Retirement Plan does not provide any additional tax advantage beyond that already available through the Qualified Retirement Plan. Therefore, You should have reasons other than tax deferral to purchase this product. Risks Associated with Investment Options—There can be no guarantee, and no representation is made, that the investment results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money. Insurance Company Risks—An investment in the Contract is subject to the risks related to Horace Mann Life Insurance Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength. Limitation on Access to Cash Value Through Withdrawals—Unless restricted by the IRC, or the terms of any Qualified Retirement Plan under which Qualified Contracts are issued (if applicable), You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts and Qualified Retirement Plans. Values may not be withdrawn from Qualified Contracts, other than traditional IRAs and Roth IRAs except under certain circumstances. Premium payments made on a pre-tax basis through salary reduction (other than amounts designated as Roth contributions), employer amounts, or deductible amounts in the case of traditional IRAs are not subject to current income taxes at the time they are made. Earnings are also not subject to income taxes as they accumulate within the Contract. Except for qualified distributions from Roth-type accounts or after-tax premium payments, Contract benefits will be subject to ordinary income taxes when received in accordance with Section 72 of the IRC. Distributions from Qualified Contracts (other than traditional IRAs or Roth IRAs) may be restricted by the Qualified Retirement Plan and the IRC. Early distributions from Qualified Contracts may be subject to a penalty tax and the IRC also generally requires that distributions from Qualified Contracts (other than Roth IRAs) begin by April 1, following the calendar year in which the Contract Owner reaches age 73. Significant Events—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses affecting Your Contract due to a natural disaster or catastrophe.

Benefits Available (N-4) [Text Block]

Benefits Available Under the Contract

The following table summarizes information about the benefits available under the Contract.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
Death Benefit	If You die before the Annuity Date and while the Contract is in force, pays Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance.	Standard	None	None
Portfolio Rebalancing	Automatically rebalances the Investment Options You select (either	Standard	None	Cannot use with the dollar cost averaging option.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
	quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.			Only available during the accumulation phase. Subject to portfolio restrictions.
Dollar Cost Averaging	Automatically transfers a specific amount of money from the Investment Options You have selected, at set intervals over a specific period of time.	Standard	None	Cannot use with the portfolio rebalancing option. Only available during the accumulation phase. Subject to portfolio restrictions.
Systematic Withdrawals	Automatically withdraws money (either monthly, quarterly, semi- annually or annually) from the Investment Options You select. The amount of the withdrawals are determined by the systematic withdrawal option You select.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.

Buying the Contract

How Do I Purchase the Personal Retirement Planner Qualified Variable Annuity Contract? To purchase a Contract, You must complete an application bearing all requested signatures and a client profile form, in those instances when the purchase of this product was the result of a recommendation. For 457(b) and 401(a) Contracts the employer will purchase the Contract on behalf of the employee, but the employee will be required to complete an application and client profile form in those instances, when the purchase of this product was the result of a recommendation. How Much Can I Contribute and How are My Contributions Invested? Your premium payments will be invested in the Investment Options that You choose.

	Qualified Policies (Purchased using pre-tax dollars)
Minimum Initial Annual Premium	$300 annually
Minimum Subsequent Annual Premiums	$300 annually
Maximum Subsequent Premiums (per Contract Year after 1st Contract Anniversary)	As permitted by IRS regulations
Maximum Total Premiums	$1,000,000 without Our prior approval

After Your initial premium payment, You are not required to make any additional premium payments under Your Contract. When Will Any Premium Payments that I Make be Credited to My Account? Net Premium payments allocated to the Separate Account will be applied at the applicable Accumulation Unit Value determined on the Valuation Date following receipt in good form (sufficiently clear so that We do not need to exercise any discretion to follow such instructions). The minimum premium payment for the Contract is $25 per month or $300 per year. HMLIC limits the maximum cumulative premium to $1 million without Our prior approval. After the first Contract Year, We reserve the right to limit premium payments to a maximum of $30,000 each Contract Year. If a registered representative recommended and completed the application and associated forms, the appropriate broker-dealer has approved the suitability and best interest of the sale, Your application is complete and Your initial premium payment has been received at Our Home Office, We will issue Your Contract within two business days of its receipt, and credit Your initial Net Premium to Your Contract. If an incomplete application is received, HMLIC will promptly request additional information needed to process the application. Any initial premium payment received by HMLIC will be held in a suspense account, without interest, for a period not exceeding five business days unless otherwise directed by the applicant. If the necessary information is not received within these five business days HMLIC will return any initial premium payment received by HMLIC, unless otherwise directed by the applicant. Allocation of Net Premiums—When You complete Your application, You will give Us instructions on how to allocate Your Net Premium payments among the fixed account and/or the available Subaccounts. The amount You direct to a particular Subaccount or to the fixed account must be in whole number percentages from 5% to 100% of the Net Premium payment. If You make additional premium payments, We will allocate the Net Premiums in the same manner as Your initial Net Premium payment. A request to change the allocation of premium payments will be effective on the Valuation Date of receipt of the request in good form. Premium payments allocated to the Separate Account are credited on the basis of Accumulation Unit Value. The number of Accumulation Units purchased by Your premium payments is determined by dividing the dollar amount credited to each Subaccount by the applicable Accumulation Unit Value next determined following receipt of the payment at Our Home Office. The value of an Accumulation Unit is affected by the investment experience of the Portfolio Company, expenses and the deduction of certain charges under the Contract. Accumulation Units are valued on each Valuation Date. If We receive Your premium payment before 3:00 p.m. Central Time (or before the close of the NYSE, if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of that Valuation Date. If We receive Your premium payment at or after 3:00 p.m. Central Time (or at or after the close of the NYSE if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of the next Valuation Date.

Benefits Available [Table Text Block]

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
Death Benefit	If You die before the Annuity Date and while the Contract is in force, pays Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance.	Standard	None	None
Portfolio Rebalancing	Automatically rebalances the Investment Options You select (either	Standard	None	Cannot use with the dollar cost averaging option.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
	quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.			Only available during the accumulation phase. Subject to portfolio restrictions.
Dollar Cost Averaging	Automatically transfers a specific amount of money from the Investment Options You have selected, at set intervals over a specific period of time.	Standard	None	Cannot use with the portfolio rebalancing option. Only available during the accumulation phase. Subject to portfolio restrictions.
Systematic Withdrawals	Automatically withdraws money (either monthly, quarterly, semi- annually or annually) from the Investment Options You select. The amount of the withdrawals are determined by the systematic withdrawal option You select.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix A: Investment Options Available Under the Contract

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Lifecycle/Target Date Funds	Vanguard® Retirement Income Fund / The Vanguard Group, Inc.	0.08%	11.31%	3.82%	5.33%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2020 Fund / The Vanguard Group, Inc.	0.08%	12.15%	4.77%	6.87%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2025 Fund / The Vanguard Group, Inc.	0.08%	14.60%	5.90%	8.78%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2030 Fund / The Vanguard Group, Inc.	0.08%	16.24%	6.83%	8.66%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2035 Fund / The Vanguard Group, Inc.	0.08%	17.54%	7.71%	9.40%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2040 Fund / The Vanguard Group, Inc.	0.08%	18.76%	8.57%	10.13%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2045 Fund / The Vanguard Group, Inc.	0.08%	19.99%	9.41%	10.74%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2050 Fund / The Vanguard Group, Inc.	0.08%	21.41%	9.95%	11.02%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2055 Fund / The Vanguard Group, Inc	0.08%	21.43%	9.96%	11.02%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2060 Fund / The Vanguard Group, Inc.	0.08%	21.42%	9.96%	11.02%
Large Value	T Rowe Price Equity Income Fund — Investor Class / T Rowe Price Associates, Inc.	0.69%	14.58%	11.31%	10.66%
Large Blend	Vanguard® 500 Index Admiral Shares / The Vanguard Group, Inc.	0.04%	17.83%	14.38%	14.78%
Large Growth	American Funds IS Growth Fund Class 4 / Capital Research and Management Company	0.83%	19.93%	13.09%	17.67%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Large Growth	Putnam VT Sustainable Leaders IA(5) / (Advisor) Putnam Investment Management, LLC. / (Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited	0.63%	10.99%	10.62%	14.98%
Large Growth	T Rowe Price Growth Stock Fund — Investor Class / T Rowe Price Associates, Inc.	0.66%	15.65%	9.36%	14.16%
Mid Value	Vanguard® Selected Value / The Vanguard Group, Inc.	0.34%	10.98%	12.01%	10.43%
Mid Blend	Vanguard® Extended Market Index Admiral Shares / The Vanguard Group, Inc.	0.05%	11.42%	6.19%	11.01%
Mid Growth	Janus Henderson Enterprise Portfolio Instl / Janus Capital Management LLC.	0.72%	7.67%	7.62%	12.79%
Mid Growth	T Rowe Price New Horizons Fund – Investor Class(4) / T Rowe Price Associates, Inc.	0.80%	3.15%	-2.12%	11.51%
Mid Growth	Vanguard® Mid-Cap Growth Fund(3) / The Vanguard Group, Inc.	0.33%	8.98%	4.10%	9.83%
Small Value	T Rowe Price Small-Cap Value Fund — Investor Class / T Rowe Price Associates, Inc.	0.79%	8.22%	6.62%	9.70%
Small Blend	Vanguard® Small Cap Index Admiral Shares / The Vanguard Group, Inc.	0.05%	8.83%	7.34%	10.43%
Small Growth	MFS VIT New Discovery Series Initial Class*(4) / Massachusetts Financial Services Company	0.87%	12.96%	-0.28%	10.74%
Small Growth	Neuberger Genesis Fund Advisor Class / Neuberger Berman Investment Advisers, LLC	1.34%	-5.00%	2.41%	8.60%
International Stock - Developed Markets	American Funds IS International Growth and Income 1 / Capital Research and Management CompanySM	0.56%	35.83%	7.97%	8.08%
International Stock - Developed Markets	T Rowe Price Overseas Stock Fund — Investor Class / T Rowe Price Associates, Inc.	0.78%	31.80%	8.41%	8.36%
International Stock - Developed Markets	Vanguard® Developed Markets Index — Admiral Shares / The Vanguard Group, Inc.	0.05%	35.17%	9.11%	8.71%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
International Stock - Emerging Markets	T Rowe Price Emerging Markets Stock Fund — Investor Class / T Rowe Price Associates, Inc.	1.23%	32.46%	-1.83%	6.16%
International Stock - Emerging Markets	Vanguard® Emerging Markets Stock Index Admiral Share / The Vanguard Group, Inc.	0.13%	24.75%	4.62%	8.10%
Real Estate	T Rowe Price Global Real Estate — Investor Class* / T Rowe Price Associates, Inc.	0.95%	5.62%	2.50%	3.23%
Real Estate	Vanguard® Real Estate Index Fund Admiral Shares / The Vanguard Group, Inc.	0.13%	3.19%	4.64%	5.14%
Technology	Janus Henderson Global Technology and Innovation Fund Class I / Janus Capital Management LLC.	0.73%	25.15%	13.71%	21.48%
Intermediate-Term Bond	American Funds IS US Government Securities 1* / Capital Research and Management CompanySM	0.25%	8.01%	0.01%	1.95%
Intermediate-Term Bond	Fidelity VIP Investment Grade Bond Initial Class / Fidelity Management & Research Company LLC	0.37%	7.22%	0.06%	2.71%
Intermediate-Term Bond	T Rowe Price New Income Fund — Investor Class*(2) / T Rowe Price Associates, Inc.	0.44%	7.08%	-0.66%	1.72%
Intermediate-Term Bond	Vanguard® Total Bond Market Index Admiral Shares / The Vanguard Group, Inc.	0.04%	7.15%	-0.42%	1.99%
Global Bond	T Rowe Price International Bond Fund — Investor Class*(1) / T Rowe Price Associates, Inc.	0.67%	10.12%	-3.71%	0.82%
Global Bond	Vanguard® VIF Global Bond Index / The Vanguard Group, Inc.	0.13%	5.69%	-0.41%
Multi-Sector Bond	T Rowe Price Spectrum Income Fund — Investor Class* / T Rowe Price Associates, Inc.	0.61%	7.83%	2.11%	4.00%
High Yield Bond	Vanguard® High-Yield Corporate Fund Admiral Shares / The Vanguard Group, Inc.	0.12%	9.46%	4.21%	5.69%
Short-Term Bond	Vanguard® VIF Short-Term Investment Grade Bond / The Vanguard Group, Inc.	0.14%	6.85%	2.23%	2.81%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Balanced	Calvert VP SRI Balanced I / Calvert Research and Management.	0.65%	11.48%	8.68%	9.81%
Money Market	Vanguard® Federal Money Market Fund / The Vanguard Group, Inc.	0.11%	4.22%	3.20%	2.14%

*These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at dfinview.com/HoraceMann/TAHD/PRPQ(1)On and after May 1, 2019, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. (2)On and after May 1, 2021, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company. (3)On and after May 1, 2022, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the programs(s), but may not begin or increase allocations to the Portfolio Company. (4)On and after May 1, 2025, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the programs(s), but may not begin or increase allocations to the Portfolio Company. (5)On and after May 1, 2026, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Lifecycle/Target Date Funds	Vanguard® Retirement Income Fund / The Vanguard Group, Inc.	0.08%	11.31%	3.82%	5.33%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2020 Fund / The Vanguard Group, Inc.	0.08%	12.15%	4.77%	6.87%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2025 Fund / The Vanguard Group, Inc.	0.08%	14.60%	5.90%	8.78%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2030 Fund / The Vanguard Group, Inc.	0.08%	16.24%	6.83%	8.66%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2035 Fund / The Vanguard Group, Inc.	0.08%	17.54%	7.71%	9.40%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2040 Fund / The Vanguard Group, Inc.	0.08%	18.76%	8.57%	10.13%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2045 Fund / The Vanguard Group, Inc.	0.08%	19.99%	9.41%	10.74%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2050 Fund / The Vanguard Group, Inc.	0.08%	21.41%	9.95%	11.02%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2055 Fund / The Vanguard Group, Inc	0.08%	21.43%	9.96%	11.02%
Lifecycle/Target Date Funds	Vanguard® Target Retirement 2060 Fund / The Vanguard Group, Inc.	0.08%	21.42%	9.96%	11.02%
Large Value	T Rowe Price Equity Income Fund — Investor Class / T Rowe Price Associates, Inc.	0.69%	14.58%	11.31%	10.66%
Large Blend	Vanguard® 500 Index Admiral Shares / The Vanguard Group, Inc.	0.04%	17.83%	14.38%	14.78%
Large Growth	American Funds IS Growth Fund Class 4 / Capital Research and Management Company	0.83%	19.93%	13.09%	17.67%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Large Growth	Putnam VT Sustainable Leaders IA(5) / (Advisor) Putnam Investment Management, LLC. / (Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited	0.63%	10.99%	10.62%	14.98%
Large Growth	T Rowe Price Growth Stock Fund — Investor Class / T Rowe Price Associates, Inc.	0.66%	15.65%	9.36%	14.16%
Mid Value	Vanguard® Selected Value / The Vanguard Group, Inc.	0.34%	10.98%	12.01%	10.43%
Mid Blend	Vanguard® Extended Market Index Admiral Shares / The Vanguard Group, Inc.	0.05%	11.42%	6.19%	11.01%
Mid Growth	Janus Henderson Enterprise Portfolio Instl / Janus Capital Management LLC.	0.72%	7.67%	7.62%	12.79%
Mid Growth	T Rowe Price New Horizons Fund – Investor Class(4) / T Rowe Price Associates, Inc.	0.80%	3.15%	-2.12%	11.51%
Mid Growth	Vanguard® Mid-Cap Growth Fund(3) / The Vanguard Group, Inc.	0.33%	8.98%	4.10%	9.83%
Small Value	T Rowe Price Small-Cap Value Fund — Investor Class / T Rowe Price Associates, Inc.	0.79%	8.22%	6.62%	9.70%
Small Blend	Vanguard® Small Cap Index Admiral Shares / The Vanguard Group, Inc.	0.05%	8.83%	7.34%	10.43%
Small Growth	MFS VIT New Discovery Series Initial Class*(4) / Massachusetts Financial Services Company	0.87%	12.96%	-0.28%	10.74%
Small Growth	Neuberger Genesis Fund Advisor Class / Neuberger Berman Investment Advisers, LLC	1.34%	-5.00%	2.41%	8.60%
International Stock - Developed Markets	American Funds IS International Growth and Income 1 / Capital Research and Management CompanySM	0.56%	35.83%	7.97%	8.08%
International Stock - Developed Markets	T Rowe Price Overseas Stock Fund — Investor Class / T Rowe Price Associates, Inc.	0.78%	31.80%	8.41%	8.36%
International Stock - Developed Markets	Vanguard® Developed Markets Index — Admiral Shares / The Vanguard Group, Inc.	0.05%	35.17%	9.11%	8.71%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
International Stock - Emerging Markets	T Rowe Price Emerging Markets Stock Fund — Investor Class / T Rowe Price Associates, Inc.	1.23%	32.46%	-1.83%	6.16%
International Stock - Emerging Markets	Vanguard® Emerging Markets Stock Index Admiral Share / The Vanguard Group, Inc.	0.13%	24.75%	4.62%	8.10%
Real Estate	T Rowe Price Global Real Estate — Investor Class* / T Rowe Price Associates, Inc.	0.95%	5.62%	2.50%	3.23%
Real Estate	Vanguard® Real Estate Index Fund Admiral Shares / The Vanguard Group, Inc.	0.13%	3.19%	4.64%	5.14%
Technology	Janus Henderson Global Technology and Innovation Fund Class I / Janus Capital Management LLC.	0.73%	25.15%	13.71%	21.48%
Intermediate-Term Bond	American Funds IS US Government Securities 1* / Capital Research and Management CompanySM	0.25%	8.01%	0.01%	1.95%
Intermediate-Term Bond	Fidelity VIP Investment Grade Bond Initial Class / Fidelity Management & Research Company LLC	0.37%	7.22%	0.06%	2.71%
Intermediate-Term Bond	T Rowe Price New Income Fund — Investor Class*(2) / T Rowe Price Associates, Inc.	0.44%	7.08%	-0.66%	1.72%
Intermediate-Term Bond	Vanguard® Total Bond Market Index Admiral Shares / The Vanguard Group, Inc.	0.04%	7.15%	-0.42%	1.99%
Global Bond	T Rowe Price International Bond Fund — Investor Class*(1) / T Rowe Price Associates, Inc.	0.67%	10.12%	-3.71%	0.82%
Global Bond	Vanguard® VIF Global Bond Index / The Vanguard Group, Inc.	0.13%	5.69%	-0.41%
Multi-Sector Bond	T Rowe Price Spectrum Income Fund — Investor Class* / T Rowe Price Associates, Inc.	0.61%	7.83%	2.11%	4.00%
High Yield Bond	Vanguard® High-Yield Corporate Fund Admiral Shares / The Vanguard Group, Inc.	0.12%	9.46%	4.21%	5.69%
Short-Term Bond	Vanguard® VIF Short-Term Investment Grade Bond / The Vanguard Group, Inc.	0.14%	6.85%	2.23%	2.81%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Balanced	Calvert VP SRI Balanced I / Calvert Research and Management.	0.65%	11.48%	8.68%	9.81%
Money Market	Vanguard® Federal Money Market Fund / The Vanguard Group, Inc.	0.11%	4.22%	3.20%	2.14%

Temporary Fee Reductions, Current Expenses [Text Block]

These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at dfinview.com/HoraceMann/TAHD/PRPQ

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement Income Fund

Lifecycle/Target Date Funds

Vanguard® Retirement Income Fund

The Vanguard Group, Inc.

0.08%

11.31%

3.82%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2020 Fund

5.33%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2020 Fund

The Vanguard Group, Inc.

0.08%

12.15%

4.77%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2025 Fund

6.87%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2025 Fund

The Vanguard Group, Inc.

0.08%

14.60%

5.90%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2030 Fund

8.78%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2030 Fund

The Vanguard Group, Inc.

0.08%

16.24%

6.83%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2035 Fund

8.66%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2035 Fund

The Vanguard Group, Inc.

0.08%

17.54%

7.71%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2040 Fund

9.40%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2040 Fund

The Vanguard Group, Inc.

0.08%

18.76%

8.57%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2045 Fund

10.13%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2045 Fund

The Vanguard Group, Inc.

0.08%

19.99%

9.41%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2050 Fund

10.74%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2050 Fund

The Vanguard Group, Inc.

0.08%

21.41%

9.95%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2055 Fund

11.02%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2055 Fund

The Vanguard Group, Inc

0.08%

21.43%

9.96%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Target Retirement 2060 Fund

11.02%

Lifecycle/Target Date Funds

Vanguard® Target Retirement 2060 Fund

The Vanguard Group, Inc.

0.08%

21.42%

9.96%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Equity Income Fund Investor Class

11.02%

Large Value

T Rowe Price Equity Income Fund — Investor Class

T Rowe Price Associates, Inc.

0.69%

14.58%

11.31%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard 500 Index Admiral Shares

10.66%

Large Blend

Vanguard® 500 Index Admiral Shares

The Vanguard Group, Inc.

0.04%

17.83%

14.38%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds Insurance Series Growth Fund Class 4

14.78%

Large Growth

American Funds IS Growth Fund Class 4

Capital Research and Management Company

0.83%

19.93%

13.09%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Putnam VT Sustainable Leaders IA

17.67%

Large Growth

Putnam VT Sustainable Leaders IA(5)

Portfolio Company Subadviser [Text Block]

(Advisor) Putnam Investment Management, LLC.

(Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited

0.63%

10.99%

10.62%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Growth Stock Fund Investor Class

14.98%

Large Growth

T Rowe Price Growth Stock Fund — Investor Class

T Rowe Price Associates, Inc.

0.66%

15.65%

9.36%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Selected Value

14.16%

Mid Value

Vanguard® Selected Value

The Vanguard Group, Inc.

0.34%

10.98%

12.01%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Extended Market Index Admiral Shares

10.43%

Mid Blend

Vanguard® Extended Market Index Admiral Shares

The Vanguard Group, Inc.

0.05%

11.42%

6.19%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Janus Henderson Enterprise Portfolio Instl

11.01%

Mid Growth

Janus Henderson Enterprise Portfolio Instl

Janus Capital Management LLC.

0.72%

7.67%

7.62%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price New Horizons Fund Investor Class

12.79%

Mid Growth

T Rowe Price New Horizons Fund – Investor Class

T Rowe Price Associates, Inc.

0.80%

3.15%

(2.12%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Mid Cap Growth Fund

11.51%

Mid Growth

Vanguard® Mid-Cap Growth Fund

The Vanguard Group, Inc.

0.33%

8.98%

4.10%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Small Cap Value Fund - Investor Class

9.83%

Small Value

T Rowe Price Small-Cap Value Fund — Investor Class

T Rowe Price Associates, Inc.

0.79%

8.22%

6.62%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Small Cap Index Admiral Shares

9.70%

Small Blend

Vanguard® Small Cap Index Admiral Shares

The Vanguard Group, Inc.

0.05%

8.83%

7.34%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | MFS VIT New Discovery Fund Initial Class

10.43%

Small Growth

MFS VIT New Discovery Series Initial Class

Massachusetts Financial Services Company

0.87%

12.96%

(0.28%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Neuberger Berman Genesis Fund Advisor Class

10.74%

Small Growth

Neuberger Genesis Fund Advisor Class

Neuberger Berman Investment Advisers, LLC

1.34%

(5.00%)

2.41%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds IS International Growth and Income Class 1

8.60%

International Stock - Developed Markets

American Funds IS International Growth and Income 1

Capital Research and Management CompanySM

0.56%

35.83%

7.97%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Overseas Stock Fund Investor Class

8.08%

International Stock - Developed Markets

T Rowe Price Overseas Stock Fund — Investor Class

T Rowe Price Associates, Inc.

0.78%

31.80%

8.41%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Developed Markets Index Admiral Shares

8.36%

International Stock - Developed Markets

Vanguard® Developed Markets Index — Admiral Shares

The Vanguard Group, Inc.

0.05%

35.17%

9.11%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Emerging Markets Stock Fund Investor Class

8.71%

International Stock - Emerging Markets

T Rowe Price Emerging Markets Stock Fund — Investor Class

T Rowe Price Associates, Inc.

1.23%

32.46%

(1.83%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Emerging Markets Stock Index Admiral Shares

6.16%

International Stock - Emerging Markets

Vanguard® Emerging Markets Stock Index Admiral Share

The Vanguard Group, Inc.

0.13%

24.75%

4.62%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Global Real Estate Investor Class

8.10%

Real Estate

T Rowe Price Global Real Estate — Investor Class

T Rowe Price Associates, Inc.

0.95%

5.62%

2.50%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard REIT Index Fund Admiral Shares

3.23%

Real Estate

Vanguard® Real Estate Index Fund Admiral Shares

The Vanguard Group, Inc.

0.13%

3.19%

4.64%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Janus Henderson Global Technology and Innovation Fund Class I

5.14%

Technology

Janus Henderson Global Technology and Innovation Fund Class I

Janus Capital Management LLC.

0.73%

25.15%

13.71%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds IS US Government Securities Class 1

21.48%

Intermediate-Term Bond

American Funds IS US Government Securities 1

Capital Research and Management CompanySM

0.25%

8.01%

0.01%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Investment Grade Bond Initial Class

1.95%

Intermediate-Term Bond

Fidelity VIP Investment Grade Bond Initial Class

Fidelity Management & Research Company LLC

0.37%

7.22%

0.06%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price New Income Fund Investor Class

2.71%

Intermediate-Term Bond

T Rowe Price New Income Fund — Investor Class

T Rowe Price Associates, Inc.

0.44%

7.08%

(0.66%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Total Bond Market Index Admiral Shares

1.72%

Intermediate-Term Bond

Vanguard® Total Bond Market Index Admiral Shares

The Vanguard Group, Inc.

0.04%

7.15%

(0.42%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price International Bond Fund Investor Class

1.99%

Global Bond

T Rowe Price International Bond Fund — Investor Class

T Rowe Price Associates, Inc.

0.67%

10.12%

(3.71%)

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Global Bond Index

0.82%

Global Bond

Vanguard® VIF Global Bond Index

The Vanguard Group, Inc.

0.13%

5.69%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Spectrum Income Fund Investor Class

(0.41%)

Multi-Sector Bond

T Rowe Price Spectrum Income Fund — Investor Class

T Rowe Price Associates, Inc.

0.61%

7.83%

2.11%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard High Yield Corporate Fund Admiral Shares

4.00%

High Yield Bond

Vanguard® High-Yield Corporate Fund Admiral Shares

The Vanguard Group, Inc.

0.12%

9.46%

4.21%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Short Term Investment Grade Bond

5.69%

Short-Term Bond

Vanguard® VIF Short-Term Investment Grade Bond

The Vanguard Group, Inc.

0.14%

6.85%

2.23%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Calvert VP SRI Balanced Class I

2.81%

Balanced

Calvert VP SRI Balanced I

Calvert Research and Management.

0.65%

11.48%

8.68%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Federal Money Market Fund

9.81%

Money Market

Vanguard® Federal Money Market Fund

The Vanguard Group, Inc.

0.11%

4.22%

3.20%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Standard Death Benefit [Member]

2.14%

Death Benefit

If You die before the Annuity Date and while the Contract is in force, pays Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance.

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

None

Operation of Benefit [Text Block]

Death Benefit

Death BenefitDeath Benefit Proceeds If the Contract Owner dies before the Annuity Date and while the Contract is in force, We will pay a death benefit to the beneficiary designated by the Contract Owner. The death benefit ends at the Annuity Date. When multiple Contract numbers, with the same first nine digits in the number, are used to segregate multiple sources of funds for a Contract Owner, such as employee versus employer, beneficiaries must be consistent for all such Contract numbers, and the death benefit will be determined as the aggregate death benefit for all such Contract numbers. The death benefit is determined for each beneficiary as of the date Proof of Death is received by HMLIC from such beneficiary. Proof of Death includes a certified death certificate or other satisfactory evidence of death, a completed claimant’s statement and any additional forms, documentation, and written payment instructions necessary to process a death benefit claim, in a form satisfactory to Us. Where there are multiple beneficiaries, only one certified death certificate will be required. The beneficiary will receive the greater of: 1.the Account Value; or 2.the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance (An adjustment for any withdrawal is determined by dividing the withdrawal amount by the Account Value immediately prior to the withdrawal and multiplying the resulting fraction by the death benefit immediately prior to the withdrawal.) At the option of the beneficiary, We will pay all or part of the death benefit proceeds to the beneficiary under one of the Annuity Payment options described under “The Contract—Annuity Payment Options.” If the form of Annuity Payment selected requires that payment be made by HMLIC after the death of the beneficiary, payments will be made to his/her designated beneficiary. Any part of a Contract Owner’s interest payable to a minor child will be paid to the child’s legal guardian for the benefit of the child. Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of 3 to 5 years from the contract’s maturity date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but after a thorough search We are not able to locate the beneficiary, or the beneficiary does not claim the death benefit in a timely manner, the death benefit will be paid to the unclaimed property office of the state in which the beneficiary or the Contract Owner last resided, as shown on Our books and records, or to Our state of domicile. This “escheatment” is revocable, however, and the state is obligated to pay the death benefit or Contract proceeds if the beneficiary or owner of the property presents a timely claim with the proper documentation to the applicable state. To help prevent such escheatment, it is important that You keep Your desired beneficiary designations up to date, including full names and complete addresses, if and as they change.Annuity PaymentsThe Annuity Date may be any date prior to the Annuitant’s 100th birthday. Qualified Contracts often have certain limitations upon election of an Annuity Date. Generally, distributions under Qualified Contracts (except Roth IRAs) must begin by April 1 following the calendar year in which the Contract Owner reaches age 73 or, except for IRAs, retires. (See “Tax Consequences.”) The Contract provides for fixed Annuity Payment options. Before Your Annuity Date, You may elect to have Annuity Payments made under any one or more of the options described below or may elect a lump sum payment. To begin receiving Annuity Payments You must submit a request in good form to Our Home Office. In general, the amount of Your Annuity Payment will be determined by the total Account Value applied to the option, the form of payment selected, the timing of the purchase and the applicable annuity purchase rate. The Contract Owner may elect to have a portion of the Account Value applied to purchase Annuity Payments, leaving the remainder of the Account Value in the Contract. The portion of the Account Value applied to purchase Annuity Payments will be treated as a withdrawal for purposes of determining any death benefit. If the selected Annuity Payment option allows withdrawals, any withdrawal made may have tax consequences, and may affect any subsequent Annuity Payments. We will process the request so that the Annuity Payments begin as of the date requested except the 29th, 30th or 31st of the month. We will transfer Your Variable Account Value to the fixed account on the Valuation Date Your request is received in good form at Our Home Office. Your Net Premium allocation(s) will be changed to the fixed account. Generally, at the time an Annuity Payment option is selected, a Contract Owner must elect whether to have federal and state income taxes withheld. (See “Other Information—Forms Availability” and “Tax Consequences.”) In general, the longer Annuity Payments are guaranteed, the lower the amount of each payment. Annuity Payments remain level throughout the payout period, except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described below), and are paid in monthly, quarterly, semiannual, and annual installments. Payments are made at the beginning of the selected time period, and less frequent payments will result in a lower total amount of payments during an annual period than the total amount of payments that would be made during the same year for more frequent payments. An annual installment payment will result in the lowest total amount of payments during the year because it is paid entirely at the beginning of the year. If the Annuitized Value to be applied under any one Annuity Payment option is less than $2,000 or if the option chosen would provide Annuity Payments of less than $20 per month at the Annuity Date, then the Annuitized Value may be paid in a lump sum. Certain of the Annuity Payment options available under a Contract can be selected with an Increase option or a Refund at Death option. These optional features must be selected at the time You elect an Annuity Payment option. ●if an Increase option is selected, Annuity Payments will increase on each anniversary of the Annuity Date based on the increase percentage selected (1%, 2%, 3%, 4% or 5%). If You select an Increase option, then Your initial Annuity Payment (to which the increase percentage selected will apply) will be lower than the Annuity Payment You would receive under the Annuity Payment option without the Increase option. ●The Cash Refund at Death option pays You, upon the Annuitant’s death, the difference between the Annuitized Value and the Annuity Payments made to date. The Installment Refund at Death option will, upon the death of the Annuitant(s), continue Annuity Payments until total Annuity Payments made equal the Annuitized Value. The death benefit ends upon full annuitization of the Contract.Annuity Payment Options Before Your Annuity Date, You may select one of the following Annuity Payment options that We currently make available, and will continue to make available for the duration of Your Contract. We reserve the right to make other Annuity Payment options available under the Contract. If We do not receive written election of an Annuity Payment option from You at Our Home Office before the Annuity Date, the Annuity Payment option will be Life Annuity with Payments Guaranteed for 10 Years. Annuity Payments will be paid in monthly installments. Life Annuity with Payments Guaranteed for Life Only, 10, 15, or 20 Years—Annuity Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity Payments will be based upon the number of guaranteed payments selected, and the age and sex of the Annuitant on the Annuity Date. Payments for this Annuity Payment option will continue as long as the Annuitant lives, or until all guaranteed payments have been made, whichever is later. Under the Life Annuity with Payments Guaranteed for Life Only option, it is possible that only one Annuity Payment will be made if the Annuitant’s death occurs before the scheduled date of the second Annuity Payment. With the Life Annuity with Payments Guaranteed for Life Only, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option. With a Life Annuity with Payments Guaranteed for 10, 15, or 20 Years, You may elect an Increase option. Guaranteed Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies). If the Annuitant dies before all guaranteed Annuity Payments have been made, the remaining guaranteed Annuity Payments will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. Payments for a Specified Period—Annuity Payments are made to the Contract Owner beginning with the Annuity Date and continue for the specified period of time as elected. The specified period can be as short as ten years or as long as 30 years. Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies) for the remainder of the specified period. If the Annuitant dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies) for the remainder of the specified period. Withdrawals are not allowed under this option. You may add an Increase option to this Annuity Payment option, and after the Annuity Date, You cannot change the Annuity Payment option. Joint and Survivor Annuity—Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity Payments will be based upon the specific survivor option selected, and the age and sex of the two Annuitants on the Annuity Date. The available survivor options are to pay during the lifetime of the survivor (1) 50%, (2) 66 2∕3%, or (3) 100% of the Annuity Payments paid while both Annuitants were living. Upon the death of one Annuitant, the selected survivor option percentage will be applied to determine the remaining payments during the lifetime of the survivor. Upon the death of the survivor, Annuity Payments cease. If the Contract Owner dies while at least one Annuitant is living, the remaining Annuity Payments will be paid to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. With the Joint and Survivor Annuity, You may elect an Increase option. With the Joint and 100% Survivor Annuity, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option. Other Payout Options — If the Contract Owner does not wish to elect one or more of the Annuity Payment options described above, the Contract Owner may: a.receive the proceeds in a lump sum less any applicable surrender charges, or b.leave the Contract with HMLIC and receive the value under any applicable required minimum distribution requirements of IRC Section 401(a) (9), (See “Taxation of Qualified Contracts—Required Minimum Distributions,”) or c.elect any other payout option that HMLIC makes available.Amount of Annuity PaymentsThe Annuitized Value will be applied to purchase the Annuity Payment option You select.Fixed Annuity Payments—Except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described above), the amount of each Fixed Annuity Payment will not change. Higher Annuity Payments may be made at the sole discretion of HMLIC.Misstatement of Age or Gender (if a Gender-Specific Contract has been Issued) If any age or gender (if a gender-specific contract has been issued) has been misstated, We will pay Annuity Payments in the amount which would have been paid at the correct age and gender (if a gender-specific contract has been issued). We will deduct any overpayments We have made, including interest of 5 percent per year, from future payments. We will pay any under payments, including interest of 5 percent per year, in a lump sum to the Contract Owner if living, otherwise to the beneficiary(ies).

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Loans

Optional Benefit Expense (of Other Amount), Current [Percent]

8.00%

Optional Benefit Expense (of Other Amount), Current [Percent]

8.00%

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Administrative Expense 35

$ 2,638

8,095

13,803

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Administrative Expense 25

29,248

2,628

8,066

13,756

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Portfolio Rebalancing

$ 29,161

Portfolio Rebalancing

Automatically rebalances the Investment Options You select (either

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the dollar cost averaging option. quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Dollar Cost Averaging

Portfolio Rebalancing

Dollar Cost Averaging

Automatically transfers a specific amount of money from the Investment Options You have selected, at set intervals over a specific period of time.

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the portfolio rebalancing option.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Systematic Withdrawals

Dollar Cost Averaging

Systematic Withdrawals

Automatically withdraws money (either monthly, quarterly, semi-annually or annually) from the Investment Options You select. The amount of the withdrawals are determined by the systematic withdrawal option You select.

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the dollar cost averaging option.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Fixed Account

Systematic Withdrawals

Fixed Option Details [Line Items]

Fixed Option Details, Description [Text Block]

The Fixed Account The fixed account is part of HMLIC’s general account. We use general account assets to support Our insurance and annuity obligations (death benefits and Annuity Payments) other than those funded by separate accounts. Unlike the Separate Account, the general account isn’t segregated or insulated from claims of HMLIC’s creditors. You must depend on the financial strength and claims paying ability of HMLIC for satisfaction of HMLIC’s obligations under the Contract. Subject to applicable law, HMLIC has sole discretion over the investment of the assets of the fixed account. We begin crediting interest to any Net Premium received and allocated to the fixed account after the initial Net Premium, from the date We receive the Net Premium in Our Home Office. HMLIC bears the full investment risk for all amounts contributed to the fixed account. HMLIC guarantees that the amounts allocated to the fixed account under the Contracts will be credited interest daily at an annual effective interest rate as specified in Your Contract. We will determine any interest rate credited in excess of the guaranteed rate at Our sole discretion. For additional information about the fixed account, see Your Contract. The fixed account guaranteed interest rate is determined on the Issue Date and will be redetermined at the time periods shown on the Contract data pages. For purposes of redetermining the fixed account guaranteed interest rate, We divide each calendar year into two predetermined periods, January-June and July-December. Each Contract Anniversary that allows for the redetermination of the fixed account guaranteed interest rate will fall within a predetermined six-month period. All Contracts with such Contract Anniversaries occurring in the same predetermined six-month period, will have the same fixed account guaranteed interest rate. The fixed account guaranteed interest rate for each predetermined period will be at least as great as the lesser of 3 percent and the average of the five-year Constant Maturity Treasury Rate (CMT) over the six-month period beginning 9 months prior to the beginning of the predetermined period, rounded to the nearest 1/20th of one percent, reduced by 125 basis points; but not less than the rate prescribed in the law of the state where the policy is delivered or issued for delivery. The fixed account has not been registered with the Securities and Exchange Commission.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Risk of Loss [Member]

Yes. You can lose money by investing in this Contract, including loss of principal.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Not Short Term Investment Risk [Member]

Risk of Loss—The Contract involves investment risk, including the loss of the principal amount invested.

No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.The benefits of tax deferral also mean the Contract is more beneficial to investors with a long-time horizon.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Insurance Company Risk [Member]

Not a Short-term Investment—The Contract is not suitable as a short-term savings vehicle. It is designed for individuals seeking long-term, tax-deferred accumulation of funds. Purchasing the Contract as an investment vehicle for a Qualified Retirement Plan does not provide any additional tax advantage beyond that already available through the Qualified Retirement Plan. Therefore, You should have reasons other than tax deferral to purchase this product.

An investment in the Contract is subject to the risks related to Horace Mann Life Insurance Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Risks Associated with Investment Options

Insurance Company Risks—An investment in the Contract is subject to the risks related to Horace Mann Life Insurance Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.

An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract (e.g., Portfolio Companies).Each Investment Option (including any fixed account Investment Option) will have its own unique risks.You should review these Investment Options before making an investment decision.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Premium Bonus Risk

Risks Associated with Investment Options—There can be no guarantee, and no representation is made, that the investment results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money.

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Limitation on Access to Cash Value Through Withdrawals

Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract | Significant Events

Limitation on Access to Cash Value Through Withdrawals—Unless restricted by the IRC, or the terms of any Qualified Retirement Plan under which Qualified Contracts are issued (if applicable), You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts and Qualified Retirement Plans. Values may not be withdrawn from Qualified Contracts, other than traditional IRAs and Roth IRAs except under certain circumstances. Premium payments made on a pre-tax basis through salary reduction (other than amounts designated as Roth contributions), employer amounts, or deductible amounts in the case of traditional IRAs are not subject to current income taxes at the time they are made. Earnings are also not subject to income taxes as they accumulate within the Contract. Except for qualified distributions from Roth-type accounts or after-tax premium payments, Contract benefits will be subject to ordinary income taxes when received in accordance with Section 72 of the IRC. Distributions from Qualified Contracts (other than traditional IRAs or Roth IRAs) may be restricted by the Qualified Retirement Plan and the IRC. Early distributions from Qualified Contracts may be subject to a penalty tax and the IRC also generally requires that distributions from Qualified Contracts (other than Roth IRAs) begin by April 1, following the calendar year in which the Contract Owner reaches age 73.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract

Significant Events—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses affecting Your Contract due to a natural disaster or catastrophe.

Fees and Expenses [Text Block]

Fees, Expenses, and Adjustments

Location in

Statutory

Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

No. The Contract currently does not include any charges for withdrawals or

surrenders from the Contract.

The Contract -

Deductions and

Expenses -

Surrender Charges

Are There Transaction

Charges?

No. Aside from the charges for early withdrawals described above and

potential premium taxes, there are no charges for Contract Owner

transactions.

The Contract -

Transactions

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected.				The Contract - Deductions and Expenses - Mortality and Expense Risk Fee (“M&E Fee”) The Contract - Deductions and Expenses - Annual Maintenance Fee Additional Information About Fees - Annual Portfolio Company Expenses
	Annual Fee	Minimum		Maximum
	Base Contract	1.28% of the Account Value		1.28% of the Account Value
	Investment Options (Portfolio Company Fees and Expenses)	0.13% as a percentage of Portfolio Company assets		0.92% as a percentage of Portfolio Company assets
	Optional Benefits Available for an Additional Charge (For a Single Optional Benefit, if Elected)	No optional benefits are available.		No optional benefits are available.
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.
	LOWEST ANNUAL COST:		HIGHEST ANNUAL COST:
	$1,431		$2,223
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive combination of Portfolio Company fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals		●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of Portfolio Company fees and expenses and optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals

Charges for Early Withdrawals [Text Block]

Are There Charges or

Adjustments for Early

Withdrawals?

No. The Contract currently does not include any charges for withdrawals or

surrenders from the Contract.

The Contract -

Deductions and

Expenses -

Surrender Charges

Transaction Charges [Text Block]

Are There Transaction

Charges?

No. Aside from the charges for early withdrawals described above and

potential premium taxes, there are no charges for Contract Owner

transactions.

The Contract -

Transactions

Ongoing Fees and Expenses [Table Text Block]

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Contract data page for information about the specific fees You will pay each year based on the options You have elected.				The Contract - Deductions and Expenses - Mortality and Expense Risk Fee (“M&E Fee”) The Contract - Deductions and Expenses - Annual Maintenance Fee Additional Information About Fees - Annual Portfolio Company Expenses
	Annual Fee	Minimum		Maximum
	Base Contract	1.28% of the Account Value		1.28% of the Account Value
	Investment Options (Portfolio Company Fees and Expenses)	0.13% as a percentage of Portfolio Company assets		0.92% as a percentage of Portfolio Company assets
	Optional Benefits Available for an Additional Charge (For a Single Optional Benefit, if Elected)	No optional benefits are available.		No optional benefits are available.
	Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.
	LOWEST ANNUAL COST:		HIGHEST ANNUAL COST:
	$1,431		$2,223
	Assumes:		Assumes:
	●Investment of $100,000 ●5% annual appreciation ●Least expensive combination of Portfolio Company fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals		●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of Portfolio Company fees and expenses and optional benefits ●No sales charges ●No additional purchase payments, transfers or withdrawals

Base Contract (of Other Amount) (N-4) Minimum [Percent]

1.28%

Base Contract (of Other Amount) (N-4) Maximum [Percent]

1.28%

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.13%

Investment Options (of Average Annual Net Assets) Maximum [Percent]

0.92%

Optional Benefits Minimum [Percent]

0.00%

Optional Benefits Maximum [Percent]

0.00%

Lowest Annual Cost [Dollars]

$ 1,431

Highest Annual Cost [Dollars]

$ 2,223

Risks [Table Text Block]

	Risks
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this Contract, including loss of principal.	Principal Risks of Investing in the Contract – Risk of Loss
Is this a Short-Term Investment?	No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long-time horizon.	Principal Risks of Investing in the Contract – Not a Short-term Investment
What Are the Risks Associated with the Investment Options?	An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract (e.g., Portfolio Companies). Each Investment Option (including any fixed account Investment Option) will have its own unique risks. You should review these Investment Options before making an investment decision.	Principal Risks of Investing in the Contract – Risks Associated with Investment Options

What Are the Risks

Related to the

Insurance Company?

An investment in the Contract is subject to the risks related to Horace Mann

Life Insurance Company (HMLIC). Any obligations (including under any

fixed account Investment Options), guarantees, or benefits are subject to the

claims-paying ability of HMLIC. More information about HMLIC, including

its financial strength ratings, is available upon request from HMLIC, and may

be obtained by calling 1-800-999-1030 or visiting http://

www.horacemann.com/why-us/a-history-of-financial-strength.

Location in

Statutory

ProspectusPrincipal

Risks of Investing

in the Contract –

Insurance

Company Risks

Investment Restrictions [Text Block]

Yes. HMLIC reserves the right to remove or substitute Underlying Funds as Investment Options that are available under the Contract.At any time before the Contract’s Annuity Date, You may transfer amounts from one Subaccount to another, and to and from the fixed account of the Contract, subject to certain restrictions.We reserve the right to restrict or terminate the transfer privilege for any specific Contract Owner if, in Our judgment, the Contract Owner is using the Contract for the purposes of market timing or for any other purpose that We, in Our sole discretion determine to be potentially detrimental to other shareholders of a Portfolio Company.If HMLIC determines that You are engaging in a pattern of transfers that reflects a market timing strategy or is potentially harmful to other Contract Owners, it will notify You in writing of any restrictions.

Key Information, Benefit Restrictions [Text Block]

No optional benefits are available.

Tax Implications [Text Block]

An investor should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. Generally, all or a portion of any distribution from a Non-Qualified Contract will be taxable as ordinary income and may be subject to an early distribution penalty tax.

Investment Professional Compensation [Text Block]

Exchanges [Text Block]

Item 4. Fee Table [Text Block]

Fees

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None
Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)	None
Transfer Fee	None

The next table describes the fees and expenses that You will pay each year during the time that You own the Contract (not including Portfolio Company fees and expenses). Annual Contract Expenses

Administrative Expenses (1)	$35 (2)
Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))	1.25%
Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))	N/A
Loan Interest	8%

Annual Portfolio Company Expenses	Minimum	Maximum
(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.13%	0.92%

Transaction Expenses [Table Text Block]

Transaction Expenses

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None
Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)	None
Transfer Fee	None

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Amount Surrendered), Current [Percent]

0.00%

Transfer Fee, Current [Dollars]

$ 0

Annual Contract Expenses [Table Text Block]

Annual Contract Expenses

Administrative Expenses (1)	$35 (2)
Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))	1.25%
Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))	N/A
Loan Interest	8%

Administrative Expense, Current [Dollars]

$ 35

Administrative Expense, Footnotes [Text Block]

Base Contract Expense (of Average Account Value), Current [Percent]

1.25%

Annual Portfolio Company Expenses [Table Text Block]

Annual Portfolio Company Expenses	Minimum	Maximum
(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.13%	0.92%

Portfolio Company Expenses [Text Block]

(expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)

Portfolio Company Expenses Minimum [Percent]

0.13%

Portfolio Company Expenses Maximum [Percent]

0.92%

Surrender Example [Table Text Block]

If You surrender Your Contract at the end of the applicable time period:	1 year	3 years	5 years	10 years
	$2,223	$6,848	$11,726	$25,114

If You surrender Your Contract at the end of the applicable time period:	1 year	3 years	5 years	10 years
	$2,213	$6,819	$11,678	$25,025

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the Contract Risk of Loss—The Contract involves investment risk, including the loss of the principal amount invested. Not a Short-term Investment—The Contract is not suitable as a short-term savings vehicle. It is designed for individuals seeking long-term, tax-deferred accumulation of funds. Risks Associated with Investment Options—There can be no guarantee, and no representation is made, that the investment results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money. Insurance Company Risks—An investment in the Contract is subject to the risks related to Horace Mann Life Insurance Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength. Limitation on Access to Cash Value Through Withdrawals—Unless restricted by the IRC, You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts . Premium payments made to Non-Qualified Contracts are not deductible from current taxable income. Investment earnings credited to the Contract Owner’s account are generally not subject to current income tax until such amounts are distributed as defined by the IRC. However, certain assignments or pledges of a Contract may be treated as distributions and accelerate the taxability of investment earnings. Although tax consequences may vary depending on the payout option elected under the Contract, some or all of each Annuity Payment is generally taxed as ordinary income, while a portion may not be taxed. The determination of the amount of each Annuity payment that is subject to current income tax depends upon the type of Contract and Your particular circumstances. Significant Events—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses affecting Your Contract due to a natural disaster or catastrophe.

Benefits Available (N-4) [Text Block]

Benefits Available Under the Contract

The following table summarizes information about the benefits available under the Contract.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
Death Benefit	If You die before the Annuity Date and while the Contract is in force, pays Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance.	Standard	None	None
Portfolio Rebalancing	Automatically rebalances the Investment Options You select (either quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.
Dollar Cost Averaging	Automatically transfers a specific amount of money from the Investment Options	Standard	None	Cannot use with the portfolio rebalancing option.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
	You have selected, at set intervals over a specific period of time.			Only available during the accumulation phase. Subject to portfolio restrictions.
Systematic Withdrawals	Automatically withdraws money (either monthly, quarterly, semi- annually or annually) from the Investment Options You select. The amount of the withdrawals are determined by the systematic withdrawal option You select.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.

Buying the Contract

How Do I Purchase the Personal Retirement Planner Non-Qualified Variable Annuity Contract? To purchase a Contract, You must complete an application bearing all requested signatures and a client profile form, in those instances when the purchase of this product was the result of a recommendation. How Much Can I Contribute and How are My Contributions Invested? Your premium payments will be invested in the Investment Options that You choose.

	Non-Qualified Policies (Purchased using after-tax dollars)
Minimum Initial Annual Premium	$300 annually
Minimum Subsequent Annual Premiums	$300 annually
Maximum Subsequent Premiums (per Contract Year after 1st Contract Anniversary)	As permitted by IRS regulations
Maximum Total Premiums	$1,000,000 without Our prior approval

* For Non-Qualified Contracts, We reserve the right to reject any premium payments for any reason. We may also permit You to invest more than the maximum amounts listed above if You obtain Our prior approval. After Your initial premium payment, You are not required to make any additional premium payments under Your Contract. When Will Any Premium Payments that I Make be Credited to My Account? Net Premium payments allocated to the Separate Account will be applied at the applicable Accumulation Unit Value determined on the Valuation Date following receipt in good form (sufficiently clear so that We do not need to exercise any discretion to follow such instructions). The minimum premium payment for the Contract is $25 per month or $300 per year. HMLIC limits the maximum cumulative premium to $1 million without Our prior approval. After the first Contract Year, We reserve the right to limit premium payments to a maximum of $30,000 each Contract Year. If a registered representative recommended and completed the application and associated forms, the appropriate broker-dealer has approved the suitability and best interest of the sale, Your application is complete and Your initial premium payment has been received at Our Home Office, We will issue Your Contract within two business days of its receipt, and credit Your initial Net Premium to Your Contract. If an incomplete application is received, HMLIC will promptly request additional information needed to process the application. Any initial premium payment received by HMLIC will be held in a suspense account, without interest, for a period not exceeding five business days unless otherwise directed by the applicant. If the necessary information is not received within these five business days HMLIC will return any initial premium payment received by HMLIC, unless otherwise directed by the applicant. Allocation of Net Premiums—When You complete Your application, You will give Us instructions on how to allocate Your Net Premium payments among the fixed account and/or the available Subaccounts. The amount You direct to a particular Subaccount or to the fixed account must be in whole number percentages from 5% to 100% of the Net Premium payment. If You make additional premium payments, We will allocate the Net Premiums in the same manner as Your initial Net Premium payment. A request to change the allocation of premium payments will be effective on the Valuation Date of receipt of the request in good form. Premium payments allocated to the Separate Account are credited on the basis of Accumulation Unit Value. The number of Accumulation Units purchased by Your premium payments is determined by dividing the dollar amount credited to each Subaccount by the applicable Accumulation Unit Value next determined following receipt of the payment at Our Home Office. The value of an Accumulation Unit is affected by the investment experience of the Portfolio Company, expenses and the deduction of certain charges under the Contract. Accumulation Units are valued on each Valuation Date. If We receive Your premium payment before 3:00 p.m. Central Time (or before the close of the NYSE, if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of that Valuation Date. If We receive Your premium payment at or after 3:00 p.m. Central Time (or at or after the close of the NYSE if earlier), We will process the order using the applicable Subaccount Accumulation Unit Value determined at the close of the next Valuation Date.

Benefits Available [Table Text Block]

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
Death Benefit	If You die before the Annuity Date and while the Contract is in force, pays Your designated beneficiaries the greater of: (1) the Account Value; or (2) the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance.	Standard	None	None
Portfolio Rebalancing	Automatically rebalances the Investment Options You select (either quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.
Dollar Cost Averaging	Automatically transfers a specific amount of money from the Investment Options	Standard	None	Cannot use with the portfolio rebalancing option.

Name of benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/ Limitations
	You have selected, at set intervals over a specific period of time.			Only available during the accumulation phase. Subject to portfolio restrictions.
Systematic Withdrawals	Automatically withdraws money (either monthly, quarterly, semi- annually or annually) from the Investment Options You select. The amount of the withdrawals are determined by the systematic withdrawal option You select.	Standard	None	Cannot use with the dollar cost averaging option. Only available during the accumulation phase. Subject to portfolio restrictions.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix A: Investment Options Available Under the Contract

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPNQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2020 Initial Class / Fidelity Management & Research Company LLC	0.44%	13.33%	4.84%	7.38%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2025 Initial Class / Fidelity Management & Research Company LLC	0.46%	14.59%	5.52%	8.02%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2030 Initial Class / Fidelity Management & Research Company LLC	0.49%	15.52%	6.25%	8.88%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2035 Initial Class / Fidelity Management & Research Company LLC	0.53%	16.69%	7.55%	10.00%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2040 Initial Class / Fidelity Management & Research Company LLC	0.57%	18.79%	9.01%	10.87%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2045 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.83%	9.44%	11.09%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2050 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.79%	9.43%	11.08%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2055 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.85%	9.43%	11.60%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2060 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.83%	9.44%	11.62%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Retirement Portfolio Initial Class / Fidelity Management & Research Company LLC	0.36%	9.63%	2.35%	4.44%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Large Value	American Funds IS® Washington Mutual Investors 1* / Capital Research and Management CompanySM.	0.25%	17.50%	14.17%	12.65%
Large Blend	Vanguard® VIF Equity Index / The Vanguard Group, Inc.	0.14%	17.70%	14.27%	14.66%
Large Growth	American Funds IS Growth Fund Class 4 / Capital Research and Management Company	0.83%	19.93%	13.09%	17.67%
Large Growth	Putnam VT Sustainable Leaders IA(4) / (Advisor) Putnam Investment Management, LLC. / (Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited	0.63%	10.99%	10.62%	14.98%
Large Growth	T Rowe Price Blue Chip Growth Port / T. Rowe Price Associates, Inc.	0.75%	18.74%	11.68%	15.54%
Mid Value	MFS VIT III Mid Cap Value Portfolio Initial Class* / Massachusetts Financial Services Company	0.79%	5.98%	10.18%	9.95%
Mid Blend	Vanguard® VIF Mid Cap Index / The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Mid Growth	Alger Mid Cap Growth I-2*(1) / Fred Alger Management LLC.	0.92%	16.77%	3.01%	11.68%
Mid Growth	Janus Henderson Enterprise Portfolio Instl / Janus Capital Management LLC.	0.72%	7.67%	7.62%	12.79%
Small Value	Dimensional VA US Targeted Value / Dimensional Fund Advisors LP	0.29%	8.95%	13.60%	11.00%
Small Blend	MFS VIT III Blended Research Small Cap Equity Initial Class* / Massachusetts Financial Services Company	0.58%	5.76%	6.92%	9.10%
Small Growth	ClearBridge Variable Small Cap Growth 1 / Franklin Templeton Fund Adviser, LLC.	0.81%	9.23%	-0.17%	9.38%
Small Growth	MFS VIT New Discovery Series Initial Class*(3) / Massachusetts Financial Services Company	0.87%	12.96%	-0.28%	10.74%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Small Growth	Vanguard® VIF Small Co Gr(2) / The The Vanguard Group, Inc.	0.29%	6.11%	3.81%	9.61%
International Stock - Developed Markets	American Funds IS International Growth and Income 1 / Capital Research and Management CompanySM	0.56%	35.83%	7.97%	8.08%
International Stock - Developed Markets	Vanguard® VIF International / The The Vanguard Group, Inc.	0.32%	19.97%	0.62%	10.48%
International Stock - Emerging Markets	American Funds IS® New World 1* / Capital Research and ManagementSM.	0.57%	28.60%	5.59%	9.53%
Real Estate	Vanguard® VIF Real Estate Index Portfolio / The The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%
Technology	Janus Henderson Global Technology and Innovation Fund Class I / Janus Capital Management LLC.	0.73%	25.15%	13.71%	21.48%
Intermediate-Term Bond	American Funds IS US Government Securities 1* / Capital Research and Management CompanySM	0.25%	8.01%	0.01%	1.95%
Intermediate-Term Bond	Vanguard® VIF Total Bond Mkt Idx / The The Vanguard Group, Inc.	0.14%	6.94%	-0.51%	1.90%
Global Bond	Templeton Global Bond VIP 1*(1) / Franklin Advisers, Inc.	0.50%	16.09%	-0.69%	0.11%
Global Bond	Vanguard® VIF Global Bond Index / The Vanguard Group, Inc.	0.13%	5.69%	-0.41%
High Yield Bond	BlackRock High Yield V.I. Class I* / BlackRock Advisors, LLC.	0.54%	9.19%	4.79%	6.31%
Short-Term Bond	Vanguard® VIF Short-Term Investment Grade Bond / The Vanguard Group, Inc.	0.14%	6.85%	2.23%	2.81%
Balanced	Calvert VP SRI Balanced I / Calvert Research and Management.	0.65%	11.48%	8.68%	9.81%
Money Market	Goldman Sachs VIT Government Money Market Fund* / Goldman Sachs Asset Management, L.P	0.18%	4.20%	3.18%	2.11%

*These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at dfinview.com/HoraceMann/TAHD/PRPNQ(1)On and after May 1, 2019, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. (2)On and after May 1, 2020, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Subaccounts. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Subaccounts, they may continue the program(s), but may not begin or increase allocations. (3)On and after May 1, 2025, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Subaccounts. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Subaccounts, they may continue the program(s), but may not begin or increase allocations. (4)On and after May 1, 2026, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations.

Prospectuses Available [Text Block]

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPNQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Portfolio Companies [Table Text Block]

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2020 Initial Class / Fidelity Management & Research Company LLC	0.44%	13.33%	4.84%	7.38%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2025 Initial Class / Fidelity Management & Research Company LLC	0.46%	14.59%	5.52%	8.02%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2030 Initial Class / Fidelity Management & Research Company LLC	0.49%	15.52%	6.25%	8.88%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2035 Initial Class / Fidelity Management & Research Company LLC	0.53%	16.69%	7.55%	10.00%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2040 Initial Class / Fidelity Management & Research Company LLC	0.57%	18.79%	9.01%	10.87%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2045 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.83%	9.44%	11.09%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2050 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.79%	9.43%	11.08%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2055 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.85%	9.43%	11.60%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Portfolio 2060 Initial Class / Fidelity Management & Research Company LLC	0.60%	19.83%	9.44%	11.62%
Lifecycle/Target Date Funds	Fidelity® VIP Freedom Retirement Portfolio Initial Class / Fidelity Management & Research Company LLC	0.36%	9.63%	2.35%	4.44%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Large Value	American Funds IS® Washington Mutual Investors 1* / Capital Research and Management CompanySM.	0.25%	17.50%	14.17%	12.65%
Large Blend	Vanguard® VIF Equity Index / The Vanguard Group, Inc.	0.14%	17.70%	14.27%	14.66%
Large Growth	American Funds IS Growth Fund Class 4 / Capital Research and Management Company	0.83%	19.93%	13.09%	17.67%
Large Growth	Putnam VT Sustainable Leaders IA(4) / (Advisor) Putnam Investment Management, LLC. / (Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited	0.63%	10.99%	10.62%	14.98%
Large Growth	T Rowe Price Blue Chip Growth Port / T. Rowe Price Associates, Inc.	0.75%	18.74%	11.68%	15.54%
Mid Value	MFS VIT III Mid Cap Value Portfolio Initial Class* / Massachusetts Financial Services Company	0.79%	5.98%	10.18%	9.95%
Mid Blend	Vanguard® VIF Mid Cap Index / The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Mid Growth	Alger Mid Cap Growth I-2*(1) / Fred Alger Management LLC.	0.92%	16.77%	3.01%	11.68%
Mid Growth	Janus Henderson Enterprise Portfolio Instl / Janus Capital Management LLC.	0.72%	7.67%	7.62%	12.79%
Small Value	Dimensional VA US Targeted Value / Dimensional Fund Advisors LP	0.29%	8.95%	13.60%	11.00%
Small Blend	MFS VIT III Blended Research Small Cap Equity Initial Class* / Massachusetts Financial Services Company	0.58%	5.76%	6.92%	9.10%
Small Growth	ClearBridge Variable Small Cap Growth 1 / Franklin Templeton Fund Adviser, LLC.	0.81%	9.23%	-0.17%	9.38%
Small Growth	MFS VIT New Discovery Series Initial Class*(3) / Massachusetts Financial Services Company	0.87%	12.96%	-0.28%	10.74%

Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
Type of Fund	Portfolio Company and Adviser/Subadviser	Current Expenses	1-year	5-year	10-year
Small Growth	Vanguard® VIF Small Co Gr(2) / The The Vanguard Group, Inc.	0.29%	6.11%	3.81%	9.61%
International Stock - Developed Markets	American Funds IS International Growth and Income 1 / Capital Research and Management CompanySM	0.56%	35.83%	7.97%	8.08%
International Stock - Developed Markets	Vanguard® VIF International / The The Vanguard Group, Inc.	0.32%	19.97%	0.62%	10.48%
International Stock - Emerging Markets	American Funds IS® New World 1* / Capital Research and ManagementSM.	0.57%	28.60%	5.59%	9.53%
Real Estate	Vanguard® VIF Real Estate Index Portfolio / The The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%
Technology	Janus Henderson Global Technology and Innovation Fund Class I / Janus Capital Management LLC.	0.73%	25.15%	13.71%	21.48%
Intermediate-Term Bond	American Funds IS US Government Securities 1* / Capital Research and Management CompanySM	0.25%	8.01%	0.01%	1.95%
Intermediate-Term Bond	Vanguard® VIF Total Bond Mkt Idx / The The Vanguard Group, Inc.	0.14%	6.94%	-0.51%	1.90%
Global Bond	Templeton Global Bond VIP 1*(1) / Franklin Advisers, Inc.	0.50%	16.09%	-0.69%	0.11%
Global Bond	Vanguard® VIF Global Bond Index / The Vanguard Group, Inc.	0.13%	5.69%	-0.41%
High Yield Bond	BlackRock High Yield V.I. Class I* / BlackRock Advisors, LLC.	0.54%	9.19%	4.79%	6.31%
Short-Term Bond	Vanguard® VIF Short-Term Investment Grade Bond / The Vanguard Group, Inc.	0.14%	6.85%	2.23%	2.81%
Balanced	Calvert VP SRI Balanced I / Calvert Research and Management.	0.65%	11.48%	8.68%	9.81%
Money Market	Goldman Sachs VIT Government Money Market Fund* / Goldman Sachs Asset Management, L.P	0.18%	4.20%	3.18%	2.11%

Temporary Fee Reductions, Current Expenses [Text Block]

These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at dfinview.com/HoraceMann/TAHD/PRPNQ

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds Insurance Series Growth Fund Class 4

Large Growth

American Funds IS Growth Fund Class 4

Capital Research and Management Company

0.83%

19.93%

13.09%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Putnam VT Sustainable Leaders IA

17.67%

Large Growth

Putnam VT Sustainable Leaders IA(4)

Portfolio Company Subadviser [Text Block]

(Advisor) Putnam Investment Management, LLC.

(Subadvisers) Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited

0.63%

10.99%

10.62%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Janus Henderson Enterprise Portfolio Instl

14.98%

Mid Growth

Janus Henderson Enterprise Portfolio Instl

Janus Capital Management LLC.

0.72%

7.67%

7.62%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | MFS VIT New Discovery Fund Initial Class

12.79%

Small Growth

MFS VIT New Discovery Series Initial Class

Massachusetts Financial Services Company

0.87%

12.96%

(0.28%)

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds IS International Growth and Income Class 1

10.74%

International Stock - Developed Markets

American Funds IS International Growth and Income 1

Capital Research and Management CompanySM

0.56%

35.83%

7.97%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Janus Henderson Global Technology and Innovation Fund Class I

8.08%

Technology

Janus Henderson Global Technology and Innovation Fund Class I

Janus Capital Management LLC.

0.73%

25.15%

13.71%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds IS US Government Securities Class 1

21.48%

Intermediate-Term Bond

American Funds IS US Government Securities 1

Capital Research and Management CompanySM

0.25%

8.01%

0.01%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Global Bond Index

1.95%

Global Bond

Vanguard® VIF Global Bond Index

The Vanguard Group, Inc.

0.13%

5.69%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Short Term Investment Grade Bond

(0.41%)

Short-Term Bond

Vanguard® VIF Short-Term Investment Grade Bond

The Vanguard Group, Inc.

0.14%

6.85%

2.23%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Calvert VP SRI Balanced Class I

2.81%

Balanced

Calvert VP SRI Balanced I

Calvert Research and Management.

0.65%

11.48%

8.68%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2020 Initial

9.81%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2020 Initial Class

Fidelity Management & Research Company LLC

0.44%

13.33%

4.84%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2025 Initial

7.38%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2025 Initial Class

Fidelity Management & Research Company LLC

0.46%

14.59%

5.52%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2030 Initial

8.02%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2030 Initial Class

Fidelity Management & Research Company LLC

0.49%

15.52%

6.25%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2035 Initial

8.88%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2035 Initial Class

Fidelity Management & Research Company LLC

0.53%

16.69%

7.55%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2040 Initial

10.00%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2040 Initial Class

Fidelity Management & Research Company LLC

0.57%

18.79%

9.01%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2045 Initial

10.87%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2045 Initial Class

Fidelity Management & Research Company LLC

0.60%

19.83%

9.44%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2050 Initial

11.09%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2050 Initial Class

Fidelity Management & Research Company LLC

0.60%

19.79%

9.43%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2055 Initial

11.08%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2055 Initial Class

Fidelity Management & Research Company LLC

0.60%

19.85%

9.43%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity VIP Freedom 2060 Initial

11.60%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Portfolio 2060 Initial Class

Fidelity Management & Research Company LLC

0.60%

19.83%

9.44%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fidelity® VIP Freedom Retirement Portfolio Initial Class

11.62%

Lifecycle/Target Date Funds

Fidelity® VIP Freedom Retirement Portfolio Initial Class

Fidelity Management & Research Company LLC

0.36%

9.63%

2.35%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds Insurance Series Washington Mutual Investors Fund Class 1

4.44%

Large Value

American Funds IS® Washington Mutual Investors 1

Capital Research and Management CompanySM.

0.25%

17.50%

14.17%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Variable Insurance Fund Equity Index Fund

12.65%

Large Blend

Vanguard® VIF Equity Index

The Vanguard Group, Inc.

0.14%

17.70%

14.27%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | T Rowe Price Blue Chip Growth Portfolio

14.66%

Large Growth

T Rowe Price Blue Chip Growth Port

T. Rowe Price Associates, Inc.

0.75%

18.74%

11.68%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | MFS VIT III Mid Cap Value Portfolio Initial Class

15.54%

Mid Value

MFS VIT III Mid Cap Value Portfolio Initial Class

Massachusetts Financial Services Company

0.79%

5.98%

10.18%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Mid Cap Index

9.95%

Mid Blend

Vanguard® VIF Mid Cap Index

The Vanguard Group, Inc.

0.17%

11.54%

8.46%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Alger Mid Cap Growth I-2

10.77%

Mid Growth

Alger Mid Cap Growth I-2

Fred Alger Management LLC.

0.92%

16.77%

3.01%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Dimensional VA US Targeted Value

11.68%

Small Value

Dimensional VA US Targeted Value

Dimensional Fund Advisors LP

0.29%

8.95%

13.60%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | MFS Blended Research Small Cap Equity Portfolio Initial Shares

11.00%

Small Blend

MFS VIT III Blended Research Small Cap Equity Initial Class

Massachusetts Financial Services Company

0.58%

5.76%

6.92%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | ClearBridge Variable Small Cap Growth Class 1

9.10%

Small Growth

ClearBridge Variable Small Cap Growth 1

Franklin Templeton Fund Adviser, LLC.

0.81%

9.23%

(0.17%)

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Small Company Growth Fund

9.38%

Small Growth

Vanguard® VIF Small Co Gr

The The Vanguard Group, Inc.

0.29%

6.11%

3.81%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard Variable Insurance Fund International Fund

9.61%

International Stock - Developed Markets

Vanguard® VIF International

The The Vanguard Group, Inc.

0.32%

19.97%

0.62%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | American Funds Insurance Series New World Fund Class 1

10.48%

International Stock - Emerging Markets

American Funds IS® New World 1

Capital Research and ManagementSM.

0.57%

28.60%

5.59%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Real Estate Index Portfolio

9.53%

Real Estate

Vanguard® VIF Real Estate Index Portfolio

The The Vanguard Group, Inc.

0.26%

3.11%

4.51%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Vanguard VIF Total Bond Market Index Fund

5.08%

Intermediate-Term Bond

Vanguard® VIF Total Bond Mkt Idx

The The Vanguard Group, Inc.

0.14%

6.94%

(0.51%)

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Templeton Global Bond VIP Class 1

1.90%

Global Bond

Templeton Global Bond VIP 1

Franklin Advisers, Inc.

0.50%

16.09%

(0.69%)

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | BlackRock High Yield V.I. Class I

0.11%

High Yield Bond

BlackRock High Yield V.I. Class I

BlackRock Advisors, LLC.

0.54%

9.19%

4.79%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Goldman Sachs VIT Government Money Market Fund Institutional Shares

6.31%

Money Market

Goldman Sachs VIT Government Money Market Fund

Goldman Sachs Asset Management, L.P

0.18%

4.20%

3.18%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Standard Death Benefit [Member]

2.11%

Death Benefit

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

None

Operation of Benefit [Text Block]

Death Benefit

Death BenefitDeath Benefit Proceeds If a Contract Owner dies (or the sole Annuitant dies and the sole Contract Owner is not a natural person) before the Annuity Date and while the Contract is in force, We will pay a death benefit to the beneficiary designated by the Contract Owner. The death benefit ends at the Annuity Date. The death benefit is determined for each beneficiary as of the date Proof of Death is received by HMLIC from such beneficiary. Proof of Death includes a certified death certificate or other satisfactory evidence of death, a completed claimant’s statement and any additional forms, documentation, and written payment instructions necessary to process a death benefit claim, in a form satisfactory to Us. Where there are multiple beneficiaries, only one certified death certificate will be required. The beneficiary will receive the greater of: 1.the Account Value; or 2.the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance (An adjustment for any withdrawal is determined by dividing the withdrawal amount by the Account Value immediately prior to the withdrawal and multiplying the resulting fraction by the death benefit immediately prior to the withdrawal.) At the option of the beneficiary, We will pay all or part of the death benefit proceeds to the beneficiary under one of the Annuity Payment options described under “The Contract—Annuity Payment Options.” If the form of Annuity Payment selected requires that payment be made by HMLIC after the death of the beneficiary, payments will be made to his/her designated beneficiary. Any part of a Contract Owner’s interest payable to a minor child will be paid to the child’s legal guardian for the benefit of the child. Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of 3 to 5 years from the contract’s maturity date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but after a thorough search We are not able to locate the beneficiary, or the beneficiary does not claim the death benefit in a timely manner, the death benefit will be paid to the unclaimed property office of the state in which the beneficiary or the Contract Owner last resided, as shown on Our books and records, or to Our state of domicile. This “escheatment” is revocable, however, and the state is obligated to pay the death benefit or Contract proceeds if the beneficiary or owner of the property presents a timely claim with the proper documentation to the applicable state. To help prevent such escheatment, it is important that You keep Your desired beneficiary designations up to date, including full names and complete addresses, if and as they change. Annuity PaymentsThe Annuity Date may be any date prior to the Annuitant’s 100th birthday. The Contract provides for fixed Annuity Payment options. The Contract Owner may elect to have Annuity Payments made under any one or more of the options described below or may elect a lump sum payment. To begin receiving Annuity Payments You must submit a request in good form to Our Home Office. In general, the amount of Your Annuity Payment will be determined by the total Account Value applied to the option, the form of payment selected, the timing of the purchase and the applicable annuity purchase rate. The Contract Owner may elect to have a portion of the Account Value applied to purchase Annuity Payments, leaving the remainder of the Account Value in the Contract. The portion of the Account Value applied to purchase Annuity Payments will be treated as a withdrawal for purposes of determining any death benefit. If the selected Annuity Payment option allows withdrawals, any withdrawal made may have tax consequences, and may affect any subsequent Annuity Payments. We will process the request so that the Annuity Payments begin as of the date requested except the 29th, 30th or 31st of the month. We will transfer Your Variable Account Value to the fixed account on the Valuation Date Your request is received in good form at Our Home Office. Your Net Premium allocation(s) will be changed to the fixed account. Generally, at the time an Annuity Payment option is selected, a Contract Owner must elect whether to have federal and state income taxes withheld. (See “Other Information—Forms Availability” and “Tax Consequences.”) In general, the longer Annuity Payments are guaranteed, the lower the amount of each payment. Annuity Payments remain level throughout the payout period, except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described below), and are paid in monthly, quarterly, semiannual, and annual installments. Payments are made at the beginning of the selected time period, and less frequent payments will result in a lower total amount of payments during an annual period than the total amount of payments that would be made during the same year for more frequent payments. An annual installment payment will result in the lowest total amount of payments during the year because it is paid entirely at the beginning of the year. If the Annuitized Value to be applied under any one Annuity Payment option is less than $2,000 or if the option chosen would provide Annuity Payments of less than $20 per month at the Annuity Date, then the Annuitized Value may be paid in a lump sum. Certain of the Annuity Payment options available under a Contract can be selected with an Increase option or a Refund at Death option. These optional features must be selected at the time You elect an Annuity Payment option. ●if an Increase option is selected, Annuity Payments will increase on each anniversary of the Annuity Date based on the increase percentage selected (1%, 2%, 3%, 4% or 5%). If You select an Increase option, then Your initial Annuity Payment (to which the increase percentage selected will apply) will be lower than the Annuity Payment You would receive under the Annuity Payment option without the Increase option. ●The Cash Refund at Death option pays You, upon the Annuitant’s death, the difference between the Annuitized Value and the Annuity Payments made to date. The Installment Refund at Death option will, upon the death of the Annuitant(s), continue Annuity Payments until total Annuity Payments made equal the Annuitized Value. The death benefit ends upon full annuitization of the Contract.Annuity Payment Options Before Your Annuity Date, You may select one of the following Annuity Payment options that We currently make available, and will continue to make available for the duration of Your Contract. We reserve the right to make other Annuity Payment options available under the Contract. If We do not receive written election of an Annuity Payment option from You at Our Home Office before the Annuity Date, the Annuity Payment option will be Life Annuity with Payments Guaranteed for 10 Years. Annuity Payments will be paid in monthly installments. Life Annuity with Payments Guaranteed for Life Only, 10, 15, or 20 Years—Annuity Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity Payments will be based upon the number of guaranteed payments selected, and the age and sex of the Annuitant on the Annuity Date. Payments for this Annuity Payment option will continue as long as the Annuitant lives, or until all guaranteed payments have been made, whichever is later. Under the Life Annuity with Payments Guaranteed for Life Only option, it is possible that only one Annuity Payment will be made if the Annuitant’s death occurs before the scheduled date of the second Annuity Payment. With the Life Annuity with Payments Guaranteed for Life Only, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option. With a Life Annuity with Payments Guaranteed for 10, 15, or 20 Years, You may elect an Increase option. Guaranteed Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies). If the Annuitant dies before all guaranteed Annuity Payments have been made, the remaining guaranteed Annuity Payments will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. Payments for a Specified Period—Annuity Payments are made to the Contract Owner beginning with the Annuity Date and continue for the specified period of time as elected. The specified period can be as short as ten years or as long as 30 years. Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies) for the remainder of the specified period. If the Annuitant dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies) for the remainder of the specified period. Withdrawals are not allowed under this option. You may add an Increase option to this Annuity Payment option, and after the Annuity Date, You cannot change the Annuity Payment option. Joint and Survivor Annuity—Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity Payments will be based upon the specific survivor option selected, and the age and sex of the two Annuitants on the Annuity Date. The available survivor options are to pay during the lifetime of the survivor (1) 50%, (2) 66 2∕3%, or (3) 100% of the Annuity Payments paid while both Annuitants were living. Upon the death of one Annuitant, the selected survivor option percentage will be applied to determine the remaining payments during the lifetime of the survivor. Upon the death of the survivor, Annuity Payments cease. If the Contract Owner dies while at least one Annuitant is living, the remaining Annuity Payments will be paid to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. With the Joint and Survivor Annuity, You may elect an Increase option. With the Joint and 100% Survivor Annuity, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option.Other Payout Options — If the Contract Owner does not wish to elect one or more of the Annuity Payment options described above, the Contract Owner may: a.receive the proceeds in a lump sum less any applicable surrender charges, or b.elect any other payout option that HMLIC makes available.Amount of Annuity PaymentsThe Annuitized Value will be applied to purchase the Annuity Payment option You select.Fixed Annuity Payments—Except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described above), the amount of each Fixed Annuity Payment will not change. Higher Annuity Payments may be made at the sole discretion of HMLIC.Misstatement of Age or Gender (if a Gender-Specific Contract has been Issued) If any age or gender (if a gender-specific contract has been issued) has been misstated, We will pay Annuity Payments in the amount which would have been paid at the correct age and gender (if a gender-specific contract has been issued). We will deduct any overpayments We have made, including interest of 5 percent per year, from future payments. We will pay any under payments, including interest of 5 percent per year, in a lump sum to the Contract Owner if living, otherwise to the beneficiary(ies).

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Loans

Optional Benefit Expense (of Other Amount), Current [Percent]

8.00%

Optional Benefit Expense (of Other Amount), Current [Percent]

8.00%

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Administrative Expense 35

$ 2,223

6,848

11,726

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Administrative Expense 25

25,114

2,213

6,819

11,678

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Portfolio Rebalancing

$ 25,025

Portfolio Rebalancing

Automatically rebalances the Investment Options You select (either quarterly, semiannually or annually) to maintain Your chosen mix of Investment Options.

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the dollar cost averaging option.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Dollar Cost Averaging

Portfolio Rebalancing

Dollar Cost Averaging

Automatically transfers a specific amount of money from the Investment Options

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the portfolio rebalancing option. You have selected, at set intervals over a specific period of time.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Systematic Withdrawals

Dollar Cost Averaging

Systematic Withdrawals

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

true

0.00%

Cannot use with the dollar cost averaging option.Only available during the accumulation phase.Subject to portfolio restrictions.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Fixed Account

Systematic Withdrawals

Fixed Option Details [Line Items]

Fixed Option Details, Description [Text Block]

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Risk of Loss [Member]

Yes. You can lose money by investing in this Contract, including loss of principal

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Not Short Term Investment Risk [Member]

Risk of Loss—The Contract involves investment risk, including the loss of the principal amount invested.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Insurance Company Risk [Member]

Not a Short-term Investment—The Contract is not suitable as a short-term savings vehicle. It is designed for individuals seeking long-term, tax-deferred accumulation of funds.

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Risks Associated with Investment Options

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Premium Bonus Risk

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Limitation on Access to Cash Value Through Withdrawals

Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract | Significant Events

Limitation on Access to Cash Value Through Withdrawals—Unless restricted by the IRC, You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts . Premium payments made to Non-Qualified Contracts are not deductible from current taxable income. Investment earnings credited to the Contract Owner’s account are generally not subject to current income tax until such amounts are distributed as defined by the IRC. However, certain assignments or pledges of a Contract may be treated as distributions and accelerate the taxability of investment earnings. Although tax consequences may vary depending on the payout option elected under the Contract, some or all of each Annuity Payment is generally taxed as ordinary income, while a portion may not be taxed. The determination of the amount of each Annuity payment that is subject to current income tax depends upon the type of Contract and Your particular circumstances.