Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, the Company markets and underwrites personal lines of property and casualty and life insurance and retirement annuities in the United States. HMECs principal insurance subsidiaries are Horace Mann Insurance Company (HMIC), Teachers Insurance Company (TIC), Horace Mann Life Insurance Company (HMLIC), Horace Mann Property & Casualty Insurance Company (HMPCIC) and Horace Mann Lloyds (HM Lloyds). The Company markets its products primarily to educators and other employees of public schools and their families. Its one million customers typically have moderate annual incomes, with many belonging to two-income households. Their financial planning tends to focus on retirement, security, savings and primary insurance needs.