Other Important Disclosures

Horace Mann Investors, Inc. offers mutual funds through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a DE Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. This information must be preceded or accompanied by the current prospectuses. You can request prospectuses from the Horace Mann Retirement Advantage Team, by calling 877-602-1870 or logging into your account at HoraceMann.com/myaccount. You should read the prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

The earnings potential of each option reflects the degree of risk associated with it. The higher the potential return, the higher the degree of risk, including the possibility of loss of principal.

While bond funds are frequently used to help stabilize an investment program, bond funds do not guarantee the return of the principal investment. Interest rates, inflation and credit risks can affect the net asset value of the bond fund, and ongoing fees and expenses are charged on shares of bond funds.

Money market funds are sold by prospectus. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yields fluctuate and past performance is no guarantee of future results.

Small-cap and mid-cap mutual funds are subject to more fluctuation in value and may have additional risks than other mutual funds with stocks of larger, more stable companies.

International and global mutual funds are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies, and other economic and political environments.

Real estate mutual funds are subject to investment and liquidity risk and other risks inherent with real estate such as those associated with general and local economic conditions. Property values can decline due to environmental and other reasons. In addition, fluctuation in interest rates can negatively impact the performance of real estate mutual funds.

Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

Large-cap U.S. stock funds invest primarily in stocks that fall in the top 70% of the U. S. market capitalization range as defined by Wilshire Associates, Incorporated.

Target maturity or “Lifecycle” funds are managed for investors planning to retire (or to begin withdrawing substantial portions of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of Lifecycle funds is not guaranteed at any time.

Not all investment options and asset classes are available in all products.



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