Rachel Luber
Vice President, Investor Relations
Replay available
Horace Mann Educators Corporation (NYSE: HMN) Q4 2025 earnings conference call, held 2026-02-04. Replay captured from the company's public earnings webcast.

Vice President, Investor Relations
President and Chief Executive Officer
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WEBVTT 00:00:00.605 -- 00:00:06.132 Good day and welcome to the Horace Mann Educators fourth quarter and full year 2025 investors 00:00:06.132 -- 00:00:10.257 conference call. All participants will be in listen-only mode. 00:00:10.257 -- 00:00:13.881 Should you need assistance, please signal a conference specialist by pressing the star 00:00:13.881 -- 00:00:18.627 key followed by zero. After today's presentation, there will be an opportunity to ask 00:00:18.627 -- 00:00:23.572 questions. To ask a question, you may press star then one on your telephone keypad. 00:00:23.572 -- 00:00:26.997 To withdraw your question, please press star then two. 00:00:26.997 -- 00:00:31.650 Please note this event is being recorded. I would now like to turn the conference over 00:00:31.650 -- 00:00:34.693 to Rachel Luber, Vice President, Investor Relations. 00:00:34.693 -- 00:00:35.914 Please go ahead. 00:00:35.914 -- 00:00:41.039 Thank you. Welcome to Horace Mann's discussion of our fourth quarter and full year 2025 00:00:41.039 -- 00:00:45.823 results. Yesterday, we issued our earnings release, investor supplement, and investor 00:00:45.823 -- 00:00:50.468 presentation. Copies are available on the investors page of our website. 00:00:50.468 -- 00:00:55.713 Our speakers today are Marita Zaraitis, President and Chief Executive Officer, and Ryan 00:00:55.713 -- 00:00:59.836 Grenier, Executive Vice President and Chief Financial Officer. 00:00:59.836 -- 00:01:03.923 Before turning it over to Marita, I want to note that our presentation today includes 00:01:03.923 -- 00:01:08.992 forward-looking statements as defined in the Private Securities Litigation Reform Act 00:01:08.992 -- 00:01:14.100 of 1995. The company cautions investors that any forward-looking statements include 00:01:14.100 -- 0...