The Horace Mann Companies—Horace Mann Insurance Company, Teachers Insurance Company, and Horace Mann Property & Casualty—filed in Texas on September 4, 2025, to revise their Auto Underwriting Guidelines, effective January 15, 2026, for new and renewal business. The update centers on changes to the Underwriting Score.

The score, applied at new business, combines five categories: prior bodily injury limits, coverage lapses, non-chargeable incidents in the past 36 months, chargeable incidents between three and five years, and tenure with the most recent prior carrier. Each factor contributes points, with higher totals signaling greater risk. The total score maps to a rating factor that adjusts premiums, aligning prior insurance behavior with expected loss potential.

The January 2026 revision modifies two key areas: the point schedule for bodily injury limits and the credit structure for carrier tenure. Mid-tier BI limits (50/100–100/300) now carry reduced penalties, while tenure scoring is streamlined by eliminating credits beyond four years. This shifts the model’s focus from rewarding long loyalty to emphasizing coverage adequacy and recent stability.

The scoring framework integrates data from LexisNexis CLUE and ISO/Verisk VINMASTER for vehicle symbols. Since June 2020, all new business has been written through HMPC, with underwriting approval required for exceptions.