<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>5
<FILENAME>0005.txt
<DESCRIPTION>SUBSIDIARIES OF HMEC
<TEXT>

<PAGE>

                                                                      Exhibit 21

                       Horace Mann Educators Corporation
          Insurance Subsidiaries, Other Significant Subsidiaries and
           Their Respective States of Incorporation or Organization
                               December 31, 2000


Insurance Subsidiaries:

   Allegiance Insurance Company - California

   Allegiance Life Insurance Company - Illinois

   Educators Life Insurance Company of America - Arizona

   Horace Mann Insurance Company - Illinois

   Horace Mann Life Insurance Company - Illinois

   Horace Mann Lloyds - Texas

   Teachers Insurance Company - Illinois

Other Significant Subsidiaries:

   Horace Mann Educator Benefits Consulting Corporation - Illinois

   Horace Mann General Agency - Texas

   Horace Mann Investors, Inc. - Maryland

   Horace Mann Service Corporation - Illinois

</TEXT>
</DOCUMENT>