An Individual Retirement Account (IRA) can help you save for retirement in a tax-advantaged way. The IRA itself is not an investment, but it holds the investments you choose to save toward your retirement goal.

There are two types of IRAs:

• Traditional IRA - A traditional IRA is a type of retirement plan that allows earnings to grow tax-deferred and the possibility of tax-deductible contributions. Tax-deductible payments have eligibility requirements based on income, filing status and participation in other retirement plans. You don't pay income taxes on tax-deductible IRA contributions or any earnings until you withdraw money, which is usually at retirement.
  
  Similar to other retirement plans, IRAs have annual contribution limits. The annual contribution limits for IRAs are significantly lower than 403(b) or 457(b) plans. Your total payments to Roth and traditional IRAs may not exceed the limit established by the IRS for that year.
• Roth IRA - A Roth IRA is a type of IRA where earnings are tax-deferred and contributions are not tax-deductible. In addition, if certain conditions are met, the earnings will be tax-free. To establish a Roth IRA, you must meet income eligibility requirements.
  
  Roth IRAs have annual contribution limits that are the same as traditional IRAs and can be further limited if payments are also made to a traditional IRA. Your total payments to Roth and traditional IRAs may not exceed the limit established by the IRS for that year.

Why a Horace Mann Retirement Advantage™ IRA?

The Horace Mann Retirement Advantage™ IRA provides you with these benefits:

• Availability to choose from a diverse set of mutual funds that can cover a broad range of investment objectives and risk tolerances
• Ability to have a hands-off option in mutual fund choices based on target retirement dates and managed by professional money managers
• Fee transparency – clear investment fee structure.

How to open a Horace Mann Retirement Advantage™ IRA

A Horace Mann representative will walk you through the process of opening a Horace Mann Retirement Advantage™ IRA.

Contact an Agent

Horace Mann Retirement Advantage™ Investment Option Information

The information below displays the investment options available in the Horace Mann Retirement Advantage™ IRA. You can choose from a menu of investment options that cover the risk/reward spectrum, from conservative to aggressive and both U.S. and International markets. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards.

Click on the style category and the list of investment options in that style will be reflected. Click the mutual fund name to see the prospectus. When you click this link, you will be taken to a third party site. You may also obtain a prospectus by calling 800-677-2363.

For monthly mutual fund performance click here.
For quarterly mutual fund option performance click here.

This information regarding tax rules is not intended to be legal or tax advice. The factors which affect your decision and ability to contribute to a Traditional or Roth IRA are complicated and can change each year. You should consult with your tax advisor for more information and to determine if an IRA is best for you.

The Horace Mann Stable Value Solution (HMSVS) is issued by Horace Mann Life Insurance Company. The guarantees in the HMSVS are provided by Horace Mann Life Insurance Company and are based on the financial stability of the company. The HMSVS is not a mutual fund or other security.

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. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. You can receive prospectuses from your Horace Mann representative or by calling 800-677-2363. You should read the prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about these subjects. As with all securities mutual funds involve a risk of loss, including a loss of principal.

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.

Custodial services are provided by Matrix Financial Solutions,717 17th Street, Denver, CO 80202. Recordkeeping and administration provided by Horace Mann Investors, Inc.

The product and services may not be available in all states.

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