Updating Summary Prospectus
for Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract
Issued by
Horace Mann Life Insurance Company
May 1, 2024
This Updating Summary Prospectus summarizes key features of the Contract (“Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract”). This Updating Summary Prospectus also provides a summary of Contract features that have changed.
The prospectus for the Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract contains more information about the Contract, including its features, benefits, and risks. You can find the prospectus and other information about the Contract online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also obtain this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved this contract or passed upon the adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.
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This prospectus and the Underlying Fund prospectuses are also available online at dfinview.com/HoraceMann/TAHD/PRPQ.
We appreciate Your cooperation as we work to reduce the volume of paper we distribute. While we’re committed to providing you with the information you need in the format you prefer, we are always looking for ways to reduce paper use.
1
Contents 
Contents
2
3
4
5
8
2
Definitions
Account Value: The sum of the Fixed Account Value and the Variable Account Value.
Annuity Date: The date Annuity Payments begin. The criteria for setting an Annuity Date are set forth in Your Contract, and the anticipated Annuity Date is shown on the Annuity Data pages of Your Contract.
In addition, Qualified Contracts often have certain limitations upon election of an Annuity Date. Generally, distributions under Qualified Contracts (except Roth IRAs) must begin by April 1 following the calendar year in which the Contract Owner reaches age 73.
Contract: The individual flexible premium deferred variable annuity contract this prospectus offers.
Contract Owner (You, Your): The individual or entity to whom the Contract is issued.
Fixed Account Value: The dollar value of the fixed account under the Contract before Annuity Payments begin.
HMLIC, We, Us, Our: Horace Mann Life Insurance Company.
Investment Options: The fixed account and the Underlying Funds in which the Subaccounts invest.
Portfolio Companies, Underlying Funds: All open-end management investment companies registered under the Act that are listed in this document and are available for investment by the Separate Account.
Separate Account: The Horace Mann Life Insurance Company Separate Account, a segregated variable investment account consisting of Subaccounts each of which invests in a corresponding Underlying Fund. The Separate Account was established by HMLIC under Illinois law and is registered as a Unit Investment Trust under the Investment Company Act of 1940, as amended (the “Act”).
Subaccount: A division of the Separate Account that invests in shares of a corresponding Underlying Fund.
Unit Investment Trust (or “UIT”): A type of investment company, regulated and separately registered and regulated by the SEC under the Investment Company Act of 1940. The Separate Account is registered as a UIT. The UIT referenced in this prospectus is open-ended, meaning there can be continuous purchases of shares of the Underlying Funds. Variable Annuity Payments are deposited in the UIT and allocated to the Subaccounts each of which invests in a specified Underlying Fund, which is separately registered under the Investment Company Act of 1940.
Variable Account Value: The dollar value of the Subaccount(s) under the Contract before Annuity Payments begin. This dollar value will vary based on the investment performance of the corresponding Underlying Fund(s).
3
Updated Information about Your Contract
The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the prospectus dated May 1, 2023. This may not reflect all of the changes that have occurred since You entered into Your Contract.
Benefit-Related Changes
No Benefit Related Changes have occurred since the last prospectus.
Underlying Fund-Related Changes
No Underlying Fund-Related Changes have occurred since the last prospectus.
4
Important Information You Should Consider About the Contract 
 
Fees and Expenses
Location in
Statutory
Prospectus
Charges For Early
Withdrawals
The Contract currently does not include any charges for withdrawals or
surrenders from the Contract.
The Contract -
Deductions and
Expenses -
Surrender Charges
Transaction Charges
Aside from the charges for early withdrawals described above and potential
premium taxes, there are no charges for Contract Owner transactions.
The Contract -
Transactions
Ongoing Fees and
Expenses (Annual
Charges)
The table below describes the fees and expenses that You may pay each year,
depending on the options You choose. Please refer to Your Contract data page
for information about the specific fees You will pay each year based on the
options You have elected.
The Contract -
Deductions and
Expenses -
Mortality and
Expense Risk Fee
(“M&E Fee”)
 
 
The Contract -
Deductions and
Expenses - Annual
Maintenance Fee
 
 
Additional
Information About
Fees - Annual
Portfolio Company
Expenses
Annual Fee
Minimum
Maximum
Base Contract
1.28% of the Account
Value
1.28% of the Account
Value
Investment Options
(Portfolio Company
Fees and Expenses)
0.04% as a percentage
of Portfolio Company
assets
1.16% as a percentage
of Portfolio Company
assets
Optional Benefits
Available for an
Additional Charge (For
a Single Optional
Benefit, if Elected)
No optional benefits are
available.
No optional benefits are
available.
Because Your Contract is customizable, the choices You make affect how much
You will pay. To help You understand the cost of owning Your Contract, the
following table shows the lowest and highest cost You could pay each year,
based on current charges. This estimate assumes that You do not take
withdrawals from the Contract, which could add surrender charges that
substantially increase costs.
LOWEST ANNUAL COST:
HIGHEST ANNUAL COST:
 
 
Assumes:
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive combination of
Portfolio Company fees and
expenses
●No optional benefits
●No sales charges
●No additional purchase payments,
transfers or withdrawals
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of
Portfolio Company fees and
expenses and optional benefits
●No sales charges
●No additional purchase payments,
transfers or withdrawals
 
Risks
 
Risk of Loss
You can lose money by investing in this Contract, including loss of principal.
Principal Risks of
Investing in the
Contract – Risk of
Loss
5
Not a Short-term
Investment
This Contract is not designed for short-term investing and is not appropriate
for an investor who needs ready access to cash.
The benefits of tax deferral also mean the Contract is more beneficial to
investors with a long-time horizon.
Location in
Statutory
ProspectusPrincipal
Risks of Investing
in the Contract –
Not a Short-term
Investment
Risks Associated with
Investment Options
An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the Investment
Options available under the Contract (e.g., Portfolio Companies).
Each Investment Option (including any fixed account Investment Option)
will have its own unique risks.
You should review these Investment Options before making an investment
decision.
Principal Risks of
Investing in the
Contract – Risks
Associated with
Investment Options
Insurance Company
Risks
An investment in the Contract is subject to the risks related to Horace Mann
Life Insurance Company (HMLIC). Any obligations (including under any
fixed account Investment Options), guarantees, or benefits are subject to the
claims-paying ability of HMLIC. More information about HMLIC, including
its financial strength ratings, is available upon request from HMLIC, and may
be obtained by calling 1-800-999-1030 or visiting http://
www.horacemann.com/why-us/a-history-of-financial-strength.
Principal Risks of
Investing in the
Contract –
Insurance
Company Risks
 
Restrictions
 
Investments
HMLIC reserves the right to remove or substitute Underlying Funds as
Investment Options that are available under the Contract.
At any time before the Contract’s Annuity Date, You may transfer amounts
from one Subaccount to another, and to and from the fixed account of the
Contract, subject to certain restrictions.
We reserve the right to restrict or terminate the transfer privilege for any
specific Contract Owner if, in Our judgment, the Contract Owner is using the
Contract for the purposes of market timing or for any other purpose that We,
in Our sole discretion determine to be potentially detrimental to other
shareholders of an Underlying Fund.
If HMLIC determines that You are engaging in a pattern of transfers that
reflects a market timing strategy or is potentially harmful to other Contract
Owners, it will notify You in writing of any restrictions.
Horace Mann Life
Insurance
Company - The
Fixed Account -
The Separate
Account and the
Portfolio
Companies - The
Portfolio
Companies -
Selection of
Portfolio
Companies
 
The Contract -
Transactions -
Transfers
 
The Contract -
Transactions -
Market Timing
Optional Benefits
No optional benefits are available.
 
 
Taxes
 
Tax Implications
An investor should consult with a tax professional to determine the tax
implications of an investment in and purchase payments received under the
Contract. There is no additional tax benefit to the investor when the Contract
is purchased through a tax-qualified plan or individual retirement account
(IRA). Withdrawals will be subject to ordinary income tax and may be subject
to tax penalties.
Tax Consequences -
Taxation of
Qualified Contracts
6
 
Conflicts of Interest
Location in
Statutory
Prospectus
Investment
Professional
Compensation
Some investment professionals may receive compensation for selling a contract
to investors. This compensation is typically paid in the form of commissions,
but the sale of the Contract may also count toward the investment
professional’s qualification for receipt of cash and non-cash compensation
related to sales incentives or contests. These investment professionals may have
a financial incentive to offer or recommend the Contract over another
investment.
Other Information
- Distribution of
the Contract
Exchanges
Some investment professionals may have a financial incentive to offer an
investor a new contract in place of the one he or she already owns. That
investor should only exchange his or her existing Contract if he or she
determines, after comparing the features, fees, and risks of both contracts, that
it is preferable for him or her to purchase the new Contract rather than
continue to own the existing contract.
The Contract -
Transactions -
Conversions/
7
Appendix A: Portfolio Companies Available Under the Contract
The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com.
The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance. 
Type of Fund
Portfolio Company and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/23)
1-year
5-year
10-year
Lifecycle/Target Date
Funds
Vanguard® Retirement
Income Fund / The
Vanguard Group, Inc.
0.08%
10.74%
4.83%
4.09%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2020 Fund / The
Vanguard Group, Inc.
0.08%
12.51%
6.61%
5.52%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2025 Fund / The
Vanguard Group, Inc.
0.08%
14.55%
7.56%
6.10%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2030 Fund / The
Vanguard Group, Inc.
0.08%
16.03%
8.37%
6.58%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2035 Fund / The
Vanguard Group, Inc.
0.08%
17.14%
9.17%
7.06%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2040 Fund / The
Vanguard Group, Inc.
0.08%
18.34%
9.99%
7.52%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2045 Fund / The
Vanguard Group, Inc.
0.08%
19.48%
10.76%
7.91%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2050 Fund / The
Vanguard Group, Inc.
0.08%
20.17%
10.93%
7.99%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2055 Fund / The
Vanguard Group, Inc
0.08%
20.16%
10.92%
7.97%
Lifecycle/Target Date
Funds
Vanguard® Target
Retirement 2060 Fund / The
Vanguard Group, Inc.
0.08%
20.18%
10.92%
7.97%
Large Value
T Rowe Price Equity
Income Fund — Investor
Class / T Rowe Price
Associates, Inc.
0.68%
9.65%
11.32%
7.98%
Large Blend
Vanguard® 500 Index
Admiral Shares / The
Vanguard Group, Inc.
0.04%
26.24%
15.65%
11.99%
Large Growth
Putnam VT Sustainable
Leaders IA / Putnam
Investment Management,
LLC.
0.65%
26.42%
16.38%
12.87%
Large Growth
T Rowe Price Growth Stock
Fund — Investor Class / T
Rowe Price Associates, Inc.
0.65%
45.27%
13.33%
11.71%
8
Type of Fund
Portfolio Company and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/23)
1-year
5-year
10-year
Mid Value
Vanguard® Selected Value /
The Vanguard Group, Inc.
0.43%
25.33%
15.23%
8.78%
Mid Blend
Vanguard® Extended
Market Index Admiral
Shares / The Vanguard
Group, Inc.
0.06%
25.38%
11.91%
8.54%
Mid Growth
T Rowe Price New
Horizons Fund – Investor
Class / T Rowe Price
Associates, Inc.
0.78%
21.35%
12.74%
11.53%
Mid Growth
Vanguard® Mid-Cap
Growth Fund(3) / The
Vanguard Group, Inc.
0.37%
24.08%
10.90%
8.25%
Small Value
T Rowe Price Small-Cap
Value Fund — Investor
Class / T Rowe Price
Associates, Inc.
0.80%*
12.22%
10.19%
7.21%
Small Blend
Vanguard® Small Cap Index
Admiral Shares / The
Vanguard Group, Inc.
0.05%
18.20%
11.70%
8.43%
Small Growth
MFS VIT New Discovery
Series Initial Class /
Massachusetts Financial
Services Company
0.87%*
14.41%
11.08%
7.67%
International Stock -
Developed Markets
American Funds IS
International Growth and
Income 1 / Capital Research
and Management
CompanySM
0.56%
16.08%
6.38%
3.33%
International Stock -
Developed Markets
T Rowe Price Overseas
Stock Fund — Investor
Class / T Rowe Price
Associates, Inc.
0.78%
16.31%
8.19%
4.36%
International Stock -
Developed Markets
Vanguard® Developed
Markets Index — Admiral
Shares / The Vanguard
Group, Inc.
0.08%
17.67%
8.36%
4.54%
International Stock -
Emerging Markets
T Rowe Price Emerging
Markets Stock
Fund — Investor Class / T
Rowe Price Associates, Inc.
1.16%
2.06%
0.83%
2.28%
International Stock -
Emerging Markets
Vanguard® Emerging
Markets Stock Index
Admiral Share / The
Vanguard Group, Inc.
0.14%
9.21%
4.66%
2.98%
Real Estate
T Rowe Price Global Real
Estate — Investor Class / T
Rowe Price Associates, Inc.
0.95%
11.57%
4.64%
4.10%
Real Estate
Vanguard® Real Estate
Index Fund Admiral Shares
/ The Vanguard Group, Inc.
0.12%
11.81%
7.33%
7.36%
Intermediate-Term
Bond
American Funds IS US
Government Securities 1 /
Capital Research and
Management CompanySM
0.26%*
3.21%
1.31%
1.78%
9
Type of Fund
Portfolio Company and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/23)
1-year
5-year
10-year
Intermediate-Term
Bond
Fidelity VIP Investment
Grade Bond Initial Class /
Fidelity Management &
Research Co.
0.38%
6.20%
1.97%
2.33%
Intermediate-Term
Bond
T Rowe Price New Income
Fund — Investor Class(2) / T
Rowe Price Associates, Inc.
0.44%*
4.72%
0.60%
1.48%
Intermediate-Term
Bond
Vanguard® Total Bond
Market Index Admiral
Shares / The Vanguard
Group, Inc.
0.05%
5.70%
1.11%
1.79%
Global Bond
T Rowe Price International
Bond Fund — Investor
Class(1) / T Rowe Price
Associates, Inc.
0.67%*
7.09%
-1.18%
-0.59%
Global Bond
Vanguard® VIF Global
Bond Index / The Vanguard
Group, Inc.
0.13%
6.52%
0.99%
 
Multi-Sector Bond
T Rowe Price Spectrum
Income Fund — Investor
Class / T Rowe Price
Associates, Inc.
0.62%
7.89%
3.20%
3.00%
High Yield Bond
Vanguard® High-Yield
Corporate Fund Admiral
Shares / The Vanguard
Group, Inc.
0.13%
11.74%
5.21%
4.43%
Short-Term Bond
Vanguard® VIF Short-Term
Investment Grade Bond /
The Vanguard Group, Inc.
0.14%
6.16%
2.13%
1.93%
Balanced
Calvert VP SRI Balanced I /
Calvert Research and
Management.
0.65%
16.82%
10.27%
7.46%
 
*
These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at dfinview.com/HoraceMann/TAHD/PRPQ
(1)
On and after May 1, 2019, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations.
(2)
On and after May 1, 2021, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company.
(3)
On and after May 1, 2022, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the programs(s), but may not begin or increase allocations to the Portfolio Company.
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This Summary Prospectus incorporates by reference the Horace Mann Personal Retirement Planner Individual Qualified Flexible Premium Deferred Variable Annuity Contract prospectus and Statement of Additional Information (SAI), both dated May 1, 2024, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus or You can find the Statement of Additional Information online.
EDGAR Filing Number C000182313