Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract Vanguard Target Retirement Income Fund Vanguard Target Retirement 2020 Fund Vanguard Target Retirement 2025 Fund Vanguard Target Retirement 2030 Fund Vanguard Target Retirement 2035 Fund Vanguard Target Retirement 2040 Fund Vanguard Target Retirement 2045 Fund Vanguard Target Retirement 2050 Fund Vanguard Target Retirement 2055 Fund Vanguard Target Retirement 2060 Fund T Rowe Price Equity Income Fund Investor Class Vanguard 500 Index Admiral Shares American Funds Insurance Series Growth Fund Class 4 Putnam VT Sustainable Leaders IA T Rowe Price Growth Stock Fund Investor Class Vanguard Selected Value Vanguard Extended Market Index Admiral Shares Janus Henderson Enterprise Portfolio Instl T Rowe Price New Horizons Fund Investor Class Vanguard Mid Cap Growth Fund T Rowe Price Small Cap Value Fund - Investor Class Vanguard Small Cap Index Admiral Shares MFS VIT New Discovery Fund Initial Class Neuberger Berman Genesis Fund Advisor Class American Funds IS International Growth and Income Class 1 T Rowe Price Overseas Stock Fund Investor Class Vanguard Developed Markets Index Admiral Shares T Rowe Price Emerging Markets Stock Fund Investor Class Vanguard Emerging Markets Stock Index Admiral Shares T Rowe Price Global Real Estate Investor Class Vanguard REIT Index Fund Admiral Shares Janus Henderson Global Technology and Innovation Fund Class I American Funds IS US Government Securities Class 1 Fidelity VIP Investment Grade Bond Initial Class T Rowe Price New Income Fund Investor Class Vanguard Total Bond Market Index Admiral Shares T Rowe Price International Bond Fund Investor Class Vanguard VIF Global Bond Index T Rowe Price Spectrum Income Fund Investor Class Vanguard High Yield Corporate Fund Admiral Shares Vanguard VIF Short Term Investment Grade Bond Calvert VP SRI Balanced Class I Vanguard Federal Money Market Fund Loans Administrative Expense 35 Administrative Expense 25 Portfolio Rebalancing Dollar Cost Averaging Systematic Withdrawals Fixed Account Risks Associated with Investment Options Premium Bonus Risk Limitation on Access to Cash Value Through Withdrawals Significant Events Horace Mann Personal Retirement Planner Individual Non-Qualified Flexible Premium Deferred Variable Annuity Contract Fidelity VIP Freedom 2020 Initial Fidelity VIP Freedom 2025 Initial Fidelity VIP Freedom 2030 Initial Fidelity VIP Freedom 2035 Initial Fidelity VIP Freedom 2040 Initial Fidelity VIP Freedom 2045 Initial Fidelity VIP Freedom 2050 Initial Fidelity VIP Freedom 2055 Initial Fidelity VIP Freedom 2060 Initial Fidelity® VIP Freedom Retirement Portfolio Initial Class American Funds Insurance Series Washington Mutual Investors Fund Class 1 Vanguard Variable Insurance Fund Equity Index Fund T Rowe Price Blue Chip Growth Portfolio MFS VIT III Mid Cap Value Portfolio Initial Class Vanguard VIF Mid Cap Index Alger Mid Cap Growth I-2 Dimensional VA US Targeted Value MFS Blended Research Small Cap Equity Portfolio Initial Shares ClearBridge Variable Small Cap Growth Class 1 Vanguard VIF Small Company Growth Fund Vanguard Variable Insurance Fund International Fund American Funds Insurance Series New World Fund Class 1 Vanguard VIF Real Estate Index Portfolio Vanguard VIF Total Bond Market Index Fund Templeton Global Bond VIP Class 1 BlackRock High Yield V.I. Class I Goldman Sachs VIT Government Money Market Fund Institutional Shares