8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report: June 30, 2005

HORACE MANN EDUCATORS CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	1-10890	37-0911756
(State of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

1 Horace Mann Plaza, Springfield, Illinois 62715-0001

(Address of principal executive offices, including zip code)

Registrant’s telephone number, including area code: 217-789-2500

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 1.02: Termination of a Material Definitive Agreement

On June 30, 2005, Horace Mann Educators Corporation (“HMEC” or the “Company”) redeemed all of its outstanding 6 ⁵/8% Senior Notes due January 15, 2006 and terminated the Indenture, dated as of January 17, 1996, between HMEC and BNY Midwest Trust Company (as successor to U.S. Trust Company of California, N.A.), as trustee, governing HMEC’s 6 ⁵/8% Senior Notes due 2006.

Item 8.01: Other Events

On June 30, 2005, the Company issued a press release reporting the redemption of all of its outstanding 6 ⁵/8% Senior Notes due January 15, 2006 representing an aggregate principal amount of $28.6 million, which is attached as Exhibit 99.1 and is incorporated by reference herein.

Item 9.01: Financial Statements and Exhibits

(c) Exhibits.

99.1 Press release, dated June 30, 2005, reporting the redemption of all of the Company’s outstanding 6 ⁵/8% Senior Notes due 2006.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HORACE MANN EDUCATORS CORPORATION
By:	/s/ Bret A. Conklin
Name:	Bret A. Conklin
Title:	Senior Vice President & Controller
	(Principal Accounting Officer)

Date: June 30, 2005

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EX-99.1

Exhibit 99.1

[Horace Mann Educators Corporation logo]

Dwayne D. Hallman

Senior Vice President - Finance

Horace Mann Educators Corporation

(217) 788-5708

www.horacemann.com

HORACE MANN REDEEMS

$28.6 MILLION 6 ⁵/8% SENIOR NOTES DUE 2006

SPRINGFIELD, Ill., June 30, 2005 — Horace Mann Educators Corporation (NYSE:HMN) today announced that it has redeemed all of its outstanding 6 ⁵/8% Senior Notes due January 15, 2006. The $28.6 million aggregate principal amount of the outstanding Senior Notes was redeemed at a redemption price of $1,016.59 per $1,000 principal amount, plus accrued interest through today in the amount of $30.36 per $1,000 principal amount.

The company used a portion of the proceeds from the sale of its 6.05% Senior Notes due June 15, 2015 to finance the redemption of the Senior Notes.

Horace Mann — the largest national multiline insurance company focusing on educators’ financial needs — provides auto and homeowners insurance, retirement annuities, life insurance and other financial solutions. Founded by educators for educators in 1945, the company is headquartered in Springfield, Ill. For more information, visit www.horacemann.com.

Statements included in this news release that are not historical in nature are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995 and are subject to certain risks and uncertainties. Horace Mann is not under any obligation to (and expressly disclaims any such obligation to) update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Please refer to the company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2005 and the company’s past and future filings and reports filed with the Securities and Exchange Commission for information concerning the important factors that could cause actual results to differ materially from those in forward-looking statements.

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