Exhibit 12.1(a)

HORACE MANN EDUCATORS CORPORATION

EXHIBIT 12.1(A) - COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

(DOLLARS IN MILLIONS)

	Nine Months Ended September 30,					Year Ended December 31,
	2008			2007		2007		2006		2005		2004		2003
	Actual			Actual		Actual		Actual		Actual		Actual		Actual
Fixed Charges:
Interest Expense	$	10.2		$	10.6	$	14.1	$	13.1	$	8.9	$	6.8	$	6.3
Interest credited to policyholders on interest-sensitive contracts		97.9			95.0		127.2		122.5		115.9		108.7		103.0
Total fixed charges	$	108.1		$	105.6	$	141.3	$	135.6	$	124.8	$	115.5	$	109.3
Earnings:
Income (loss) before income taxes	$	(13.4	)	$	91.9	$	117.1	$	140.3	$	94.0	$	69.7	$	19.2
Add: Interest expense		10.2			10.6		14.1		13.1		8.9		6.8		6.3
Subtotal – earnings (loss) before interest expense		(3.2	)		102.5		131.2		153.4		102.9		76.5		25.5
Add: Interest credited to policyholders on interest-sensitive contracts		97.9			95.0		127.2		122.5		115.9		108.7		103.0
Earnings before fixed charges	$	94.7		$	197.5	$	258.4	$	275.9	$	218.8	$	185.2	$	128.5
Ratio of earnings to fixed charges		0.9x			1.9x		1.8x		2.0x		1.8x		1.6x		1.2x
Supplemental information (A):
Ratio of earnings (loss) before interest expense to interest expense		0.0x			9.7x		9.3x		11.7x		11.6x		11.2x		4.0x

(A) Fixed charges and earnings in this calculation do not include interest credited to policyholders on interest-sensitive contracts. This adjusted coverage ratio is not required, but is provided as supplemental information because it is commonly used by individuals who analyze the Company’s results.