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Revision History For: HMN -- A poor man's GEICO?

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Horace Mann Educators Corporation (HMN: Springfield, IL) is a multiline insurer offering auto, home, group life, and retirement annuities to people involved in education. HMN is consistently profitable, with a combined ratio that is typically in the low 90's. They have done a great job controlling expenses, while growing the top line AND writing very profitable business. HMN is a tremendous cash generator with a very profitable and defensible niche.

I hope this will generate some interest.