Updated: Wednesday, November 26, 2025

The Accumulation Unit Values (AUVs) shown below represent Horace Mann's individual variable annuities with mortality and expenses risk (M&E) fees of 1.25 percent. The AUVs are as of the market close at 3:00 p.m. CST. Horace Mann Life Insurance Company has other annuity contracts with different M&E fees resulting in different AUVs than those shown below. If you want to know the AUV specific to your annuity contract, please consult your policy information. This will require a sign-on or registration before you can access your data.

Annuity

Switch to 0.95 M&E factor

Investment Option	AUV as of 11/26/2025	AUV as of 11/25/2025	AUV Change	Percentage Change
Alger Mid Cap Growth I-2	52.8439	52.2677	0.5762	1.09%
Allspring VT Discovery SMID Growth Fund	72.7739	72.2662	0.5077	0.70%
American Funds Insurance Series New World Class 1	40.8910	40.5360	0.3550	0.87%
American Funds IS Growth Fund	394.2981	391.1674	3.1307	0.79%
American Funds IS International Growth & Income Class 1	25.5979	25.3107	0.2872	1.12%
American Funds IS Managed Risk Asset Allocation	20.8134	20.6858	0.1276	0.61%
American Funds IS New World Fund	44.4555	44.0733	0.3822	0.86%
American Funds IS US Government Securities Fund Cl1	12.6938	12.6943	-0.0005	0.00%
American Funds IS Washington Mutual Investors Class 1	33.5992	33.3261	0.2731	0.81%
American Funds IS Washington Mutual Investors FundCl 4	39.5918	39.2797	0.3121	0.79%
BlackRock High Yield Variable Insurance Fund Class1	10.3355	10.3029	0.0326	0.32%
BlackRock High Yield Variable Insurance Fund III	10.1264	10.1090	0.0174	0.17%
BNY Mellon Investment Products: Small Cap Stock Index Portfolio	52.9964	52.7330	0.2634	0.50%
Calvert VP SRI Balanced I	3.9049	3.8914	0.0135	0.35%
ClearBridge Variable Small Cap Growth	40.0640	39.7266	0.3374	0.84%
CVT S&P Mid Cap 400 Index Portfolio	238.6343	237.2010	1.4333	0.60%
Dimensional VA US Targeted Value	38.1671	37.9634	0.2037	0.53%
Fidelity VIP Freedom 2015 Service Class 2	20.0655	19.9836	0.0819	0.41%
Fidelity VIP Freedom 2020 Fund Initial Class	21.1367	21.0280	0.1087	0.51%
Fidelity VIP Freedom 2025 Fund Initial Class	23.0735	22.9426	0.1309	0.57%
Fidelity VIP Freedom 2025 Service Class 2	23.8912	23.7539	0.1373	0.57%
Fidelity VIP Freedom 2030 Fund Initial Class	24.2584	24.1103	0.1481	0.61%
Fidelity VIP Freedom 2035 Fund Initial Class	40.8982	40.6176	0.2806	0.69%
Fidelity VIP Freedom 2035 Service Class 2	42.4375	42.1424	0.2951	0.70%
Fidelity VIP Freedom 2040 Fund Initial Class	41.9470	41.5835	0.3635	0.87%
Fidelity VIP Freedom 2045 Fund Initial Class	42.2732	41.8883	0.3849	0.91%
Fidelity VIP Freedom 2045 Service Class 2	44.1649	43.7721	0.3928	0.89%
Fidelity VIP Freedom 2050 Fund Initial Class	38.2665	37.9216	0.3449	0.90%
Fidelity VIP Freedom 2055 Fund Initial Class	18.7879	18.6191	0.1688	0.90%
Fidelity VIP Freedom 2055 Service Class 2	18.6035	18.4353	0.1682	0.90%
Fidelity VIP Freedom 2060 Initial Class	18.8951	18.7219	0.1732	0.92%
Fidelity VIP Freedom 2065 SC2	18.5165	18.3464	0.1701	0.92%
Fidelity VIP Freedom Retirement Income Initial	14.4609	14.4252	0.0357	0.25%
Fidelity VIP FundsManager 20% Service Class 2	14.5313	14.4939	0.0374	0.26%
Fidelity VIP FundsManager 50% Service Class 2	20.6907	20.5844	0.1063	0.51%
Fidelity VIP FundsManager 60% Service Class 2	21.0622	20.9558	0.1064	0.51%
Fidelity VIP FundsManager 70% Service Class 2	24.8991	24.7349	0.1642	0.66%
Fidelity VIP FundsManager 85% Service Class 2	27.7609	27.5649	0.1960	0.71%
Fidelity VIP Index 500 Portfolio (SC2)	827.3528	821.7027	5.6501	0.68%
Fidelity VIP Investment Grade Bond Portfolio (SC2)	23.5950	23.5542	0.0408	0.17%
Fidelity VIP Overseas Portfolio (SC2)	48.7935	48.3100	0.4835	0.99%
Fidelity VIP Real Estate Portfolio Service Class 2	25.3278	25.2440	0.0838	0.33%
Fidelity VIT Investment Grade Bond Initial Class	13.2280	13.2172	0.0108	0.08%
Goldman Sachs Government Money Market Fund Institutional	1.0883	1.0881	0.0002	0.02%
Janus Henderson Global Technology and Innovation Fund Class I	25.9331	25.6926	0.2405	0.93%
Janus Henderson Global Technology and Innovation Fund Class S	25.9376	25.6971	0.2405	0.93%
Janus Henderson VIT Enterprise	142.3800	141.5570	0.8230	0.58%
JPMorgan Small Cap Value	48.1873	47.7664	0.4209	0.87%
Lord Abbett Developing Growth Portfolio	60.8324	60.2806	0.5518	0.91%
LVIP JPM US Equity Fund	92.9051	92.4530	0.4521	0.49%
MFS Mid Cap Value Portfolio	20.8384	20.7334	0.1050	0.50%
MFS VIT III Blended Research Small Cap Equity Portfolio Initial Class	23.4374	23.3177	0.1197	0.51%
MFS VIT III Mid Cap Value Portfolio Initial Class	16.5161	16.4181	0.0980	0.59%
MFS VIT International Growth Service	23.4961	23.2806	0.2155	0.92%
MFS VIT New Discovery Initial	27.3169	27.1955	0.1214	0.44%
Neuberger Berman Genesis Fund (Advisor Class)	60.6458	60.5882	0.0576	0.09%
Putnam VT Sustainable Leaders IA	78.9216	78.4397	0.4819	0.61%
T Rowe Price Blue Chip Growth Portfolio	87.0827	86.4342	0.6485	0.74%
T Rowe Price Emerging Markets Stock Fund - Invest	44.4857	44.0857	0.4000	0.90%
T Rowe Price Equity Income Fund - Investor Class	63.3901	62.9601	0.4300	0.68%
T Rowe Price Global Real Estate - Investor Class	23.8162	23.6563	0.1599	0.67%
T Rowe Price Growth Stock Fund - Investor Class	178.3627	177.1164	1.2463	0.70%
T Rowe Price International Bond Fund-Investor Class	7.8058	7.7938	0.0120	0.15%
T Rowe Price New Horizons Fund - Investor Class	104.9775	104.3125	0.6650	0.63%
T Rowe Price New Income Fund - Investor Class	9.6561	9.6422	0.0139	0.14%
T Rowe Price Overseas Stock Fund - Investor Class	17.1385	16.9464	0.1921	1.12%
T Rowe Price Small Cap Value - Investor Class	79.7068	79.2089	0.4979	0.62%
T Rowe Price Spectrum Income Fund-Investor Class	14.9940	14.9655	0.0285	0.19%
Templeton Global Bond Securities Fund - Class 4	18.0273	17.9737	0.0536	0.30%
Templeton Global Bond VIP Fund Class 1	14.7280	14.6754	0.0526	0.36%
Vanguard 500 Index Admiral Shares	650.8831	646.4268	4.4563	0.68%
Vanguard Developed Markets Index Admiral Shares	22.8225	22.5447	0.2778	1.22%
Vanguard Emerging Markets Stock Index Admiral Shares	51.4058	51.0979	0.3079	0.60%
Vanguard Extended Market Index Signal Shares	159.1373	157.9889	1.1484	0.72%
Vanguard Federal Money Market Fund	1.1009	1.1007	0.0002	0.02%
Vanguard High-Yield Corporate Fund Admiral Shares	7.9492	7.9324	0.0168	0.21%
Vanguard Mid-Growth Fund	49.7570	49.3743	0.3827	0.77%
Vanguard Real Estate Index Fund Admiral Shares	161.7706	161.0607	0.7099	0.44%
Vanguard Retirement Income Fund	18.2732	18.2096	0.0636	0.35%
Vanguard Selected Value Fund	58.5147	58.0568	0.4579	0.78%
Vanguard Small Cap Index Admiral Shares	125.3561	124.5152	0.8409	0.67%
Vanguard Target Retirement 2025 Fund	29.0068	28.8715	0.1353	0.47%
Vanguard Target Retirement 2030 Fund	55.3885	55.0858	0.3027	0.55%
Vanguard Target Retirement 2035 Fund	35.8372	35.6201	0.2171	0.61%
Vanguard Target Retirement 2040 Fund	64.8760	64.4434	0.4326	0.67%
Vanguard Target Retirement 2045 Fund	42.7478	42.4451	0.3027	0.71%
Vanguard Target Retirement 2050 Fund	70.4604	69.9311	0.5293	0.75%
Vanguard Target Retirement 2055 Fund	74.4036	73.8248	0.5788	0.78%
Vanguard Target Retirement 2060 Fund	65.7116	65.2102	0.5014	0.76%
Vanguard Target Retirement Fund 2020	46.0095	45.8399	0.1696	0.37%
Vanguard Total Bond Market Index Admiral Shares	11.3095	11.2960	0.0135	0.12%
Vanguard Variable Insurance Fund Equity Index Fund	106.2756	105.5481	0.7275	0.68%
Vanguard Variable Insurance Fund International Fund	45.0415	44.6580	0.3835	0.85%
Vanguard Variable Insurance Fund Mid-Cap Index	44.7213	44.3534	0.3679	0.82%
Vanguard Variable Insurance Fund Real Estate IndexPortfolio	17.4205	17.3324	0.0881	0.51%
Vanguard Variable Insurance Fund Small Co Growth	38.9517	38.7275	0.2242	0.58%
Vanguard Variable Insurance Fund Total Bond Mkt Idx	12.1927	12.1819	0.0108	0.09%
Vanguard VIF Global Bond Index	20.7016	20.6914	0.0102	0.05%
Vanguard VIF Short-Term Investment Grade Bond	11.5572	11.5576	-0.0004	0.00%
Wilshire VIT Global Allocation Fund	49.1641	48.8765	0.2876	0.58%

Version 2.0.3