Horace Mann

Compliance

• Plan, schedule, and conduct on-site and remote examinations of Broker/Dealer and RIA branch offices, as well as registered representatives.
• Review a wide range of books and records, including client files, trade blotters, correspondence, advertising materials, and financial records to ensure adherence to regulatory standards.
• Conduct interviews with branch managers, registered representatives, and staff to evaluate supervisory effectiveness and identify compliance risks.
• Identify and document deficiencies, violations, and operational weaknesses clearly and concisely.
• Prepare detailed examination reports summarizing findings, recommendations for corrective action, and supporting evidence.
• Follow up with branches to verify timely and effective remediation of identified issues.
• Collaborate with the Chief Compliance Officer and compliance team to analyze trends and develop proactive compliance solutions.
• Stay current on regulatory developments and industry best practices.
• Assist with special projects and regulatory inquiries as needed.
• Conduct approximately 70–90 branch examinations per year.
• Travel: 80-90%
• Must reside within one hour of a major airport to facilitate travel.

Compliance Examiner – Broker Dealer

Product Manager

• Support the development and execution of product strategies that drive profitable P&C growth.
• Assist in developing rate plans and product enhancement roadmaps.
• Perform financial, market, competitive, and industry analyses to identify growth opportunities and emerging trends.
• Partner with IT, Research, Pricing, Claims, Regulatory, Marketing, and Field Sales to implement product and pricing enhancements.
• Assist in developing marketing and product strategies to improve profitability and market competitiveness.
• Support state filing activities by coordinating with compliance and regulatory teams on rate and form filings.
• Build and maintain recurring reports and dashboards to monitor key performance indicators, including loss ratio, close ratio, retention, and new business profitability.
• Gather, analyze, and format large datasets to support product decisions and business recommendations.
• Support underwriting strategy by assisting in defining underwriting appetite and maintaining underwriting guidelines.
• Participate in new product development initiatives, including competitive benchmarking, vendor evaluations, and variable selection.
• Manage assigned product initiatives and support project planning, implementation, and tracking.
• Communicate product performance, state strategies, and key initiatives to internal stakeholders, agents, field leaders, vendors, and regulatory partners.
• Support business responses to regulatory changes, operational issues, and emerging market conditions.

Associate Product Manager

Account Executive

• Deliver personalized insurance quotes and exceptional service for non-Horace Mann products, ensuring clients receive the best coverage options tailored to their needs.
• Foster strong relationships with agents and proactively address client inquiries through email, phone, and web channels to ensure a seamless customer experience.
• Collaborate with third-party vendors to process quotes and applications.
• Bind policies and ensure proper documentation, including securing approvals, payments, and signatures.
• Track and report key performance metrics while maintaining quality reviews.
• Achieve production goals through consistent client engagement and follow-ups.
• Utilize sales techniques to maintain strong close ratios and service levels.

General Agency Inside Sales Representative – P&C

Representative

• Develop strong knowledge of Horace Mann Property and Casualty insurance products, services and policies.
• Handle and problem solve customers' inquiries via phone, email, and chats.
• Responsible for ensuring a great customer experience in both written and verbal communications.
• Maintain quality and compliance within every interaction by adhering to all applicable company and state rules and regulations.
• Responsible for proactive up-sell and cross-sell of insurance solutions to existing customer base.

Service Representative – Property & Casualty

Claims Specialist

• Verify coverage and investigate liability, damages, and claim circumstances for assigned total loss claims.
• Investigate complex losses, including multi-vehicle accidents, and determine appropriate claim handling strategies.
• Evaluate claims to determine settlement value while adhering to company best claim practices and regulatory requirements.
• Independently manage a dedicated inventory of total loss claims from initial assignment through final settlement.
• Negotiate fair claim settlements while balancing customer satisfaction and sound business practices.
• Provide proactive, timely communication to customers, claimants, lienholders, agents, and other involved parties.

Auto Claims Adjuster II – Total Loss

Evaluator

• Provide an extraordinary customer experience by adhering to strict response guidelines, claims handling standards, and state compliance requirements.
• Confirm coverage and liability for assigned losses.
• Review estimates from appraisers and repair facilities and prepare estimates using photos and industry-standard estimating software.
• Utilize estimating software and photos to evaluate and, when appropriate, adjust the fair value of repairs.
• Determine the appropriate scope of vehicle damages related to a loss.
• Review supplemental damage claims to ensure repairs are related and settled at fair value.
• Complete Actual Cash Value (ACV) evaluations and referrals for vehicles determined to be total losses.
• Issue payments, send claim correspondence, and settle claims in a timely and accurate manner.
• Establish and maintain proactive communication with customers, repair facilities, agents, and other involved parties throughout the claims process.
• Deliver Distinctive Service by keeping customers informed and creating a frictionless claims experience.
• Effectively manage customer rental expenses by monitoring repair timelines and ensuring timely claim resolution.
• Demonstrate professionalism and empathy while assisting customers in high-stress situations.
• Handle complex losses involving first-party and third-party claimants, including high-dollar-value claims.
• Build strong relationships with repair facilities and conduct advanced discussions and negotiations.
• Negotiate with repair facilities to ensure fair and reasonable claim outcomes.
• Reconcile repair facility estimates and verify related damages.
• Gain agreed-upon scopes of damage with customer-selected repair facilities.
• Develop and maintain advanced knowledge of vehicle systems, repair methods, and industry estimating practices.
• Serve as a subject matter expert for vehicle repair procedures, damage evaluation, and estimating best practices.
• Deliver technical training and mentoring to claims professionals and team members.
• Support process improvement initiatives and contribute expertise on claim handling best practices.
• Maintain ownership of assigned inventory while ensuring efficiency, quality, and compliance standards are met.
• Collaborate effectively with internal business partners and vendors to drive optimal claim outcomes.

Damage Evaluator

Insurance

• Build and maintain relationships with educators and school employees
• Identify client needs and recommend insurance and financial solutions
• Generate new business through referrals, school partnerships, and networking
• Retain and renew policies while delivering exceptional service
• Cross-sell auto, home, life, and retirement products
• Participate in community and educator-focused events

Insurance Agent

Data Scientist

• Drive actionable insights and inform corporate strategies through the use of advanced modeling, data mining, analytics, and market intelligence.
• Demonstrate strong communication skills with a basic understanding of project management principles.
• Ability to visualize data effectively on both simple and complex levels.
• Proficiency in leveraging data, machine learning techniques, and statistical model frameworks to identify and create business opportunities.
• Ability to work with data using query languages such as SQL, R, or Python, and understanding of relational data.
• Demonstrate the ability to write production-ready code in Python or R. Knowledge of generative AI for coding is a plus.
• Lead key countrywide product initiatives and partner with Actuarial, Underwriting, Distribution and Legal for execution
• Experienced in developing product proposals that appropriately balance profit and growth objectives.
• Design, maintain and update exposure management tools and reports to support ongoing business decisions and regulatory requirements.

Underwriter

• Serve as the highest underwriting authority for the Life business, providing strategic leadership for underwriting philosophy, risk selection, mortality management, governance, and operational effectiveness.
• Establish and maintain underwriting guidelines, authorities, and risk selection practices that balance growth objectives with sound mortality management and regulatory compliance.
• Provide strategic direction on complex underwriting cases and emerging underwriting issues.
• Champion the evolution of the underwriting function through the evaluation and implementation of innovative underwriting methodologies, technologies, and external data sources.
• Lead initiatives involving accelerated underwriting, predictive analytics, and digital capabilities that improve customer and agent experiences.
• Drive continuous improvement by identifying opportunities to enhance underwriting efficiency, consistency, and decision quality.
• Ensure timely and accurate processing and issuance of Life insurance applications.
• Monitor, enhance, and implement underwriting policies, procedures, and operational standards with clearly defined accountability.
• Ensure compliance with internal underwriting guidelines, regulatory requirements, and legal directives.
• Support organizational initiatives that improve underwriting quality, service levels, and operational performance.
• Partner closely with Life & Retirement leadership—particularly Product Strategy and Life New Business Operations—to support product innovation and business growth.
• Collaborate with Distribution, Compliance, Finance, Technology, reinsurers, and vendor partners to optimize underwriting capabilities and customer outcomes.
• Build and maintain strong relationships with agents, field leaders, and business partners, serving as a trusted underwriting advisor.
• Lead, mentor, and develop a high-performing underwriting organization.
• Foster a culture of accountability, collaboration, continuous learning, and innovation.
• Support succession planning, talent development, and performance management for underwriting staff.
• Support enterprise strategic and tactical initiatives through effective planning, implementation, and organizational change management.
• Influence business decisions through underwriting expertise, market insight, and risk management leadership.

Assistant Vice President – Chief Life Underwriting

• Support educators by addressing inquiries about their life and retirement insurance policies
• Provide exceptional customer service through phone calls, emails, and live chats
• Develop strong knowledge of Horace Mann Life and Retirement insurance products, services and policies
• Handle and problem solve customers' inquiries via phone, email, and chats
• Ensure a great customer experience in both written and verbal communications
• Responsible for proactive up-sell and cross-sell of insurance solutions to existing customer base

Service Representative – Life and Retirement

Sales Operations Manager

• Lead onboarding, training, coaching, and professional development programs for NMD and LRCC sales professionals.
• Drive sales performance through quality assurance, call monitoring, coaching, and performance improvement initiatives.
• Serve as the subject matter expert for sales enablement tools, lead management processes, marketing distribution platforms, and related technologies.
• Develop best practices that improve prospecting, pipeline management, client retention, cross-selling, and sales conversion outcomes.
• Create and maintain training materials, playbooks, coaching guides, and sales enablement resources.
• Partner with leaders across Sales, Marketing, and Operations to align enablement strategies with business objectives.
• Analyze performance trends, training effectiveness, and quality results to identify opportunities and recommend solutions.
• Champion a culture of continuous learning, accountability, collaboration, and sales excellence.

Sales Enablement Manager

• Investigate auto claims and determine coverage and liability.
• Evaluate damages and work toward fair and timely claim resolutions.
• Collaborate with customers, repair facilities, and business partners.
• Negotiate fair claim settlements while adhering to company best practices.

Auto Claims Adjuster I

Broker

• Lead the broker-dealer supervisory program and ensure compliance with applicable laws, regulations, and firm policies.
• Supervise, coach, and develop Regional Supervisory Principals, providing leadership and performance management.
• Establish strategic objectives for the supervision function aligned with enterprise compliance goals.
• Oversee supervisory activities, including new account approvals, trade reviews, variable annuity and insurance product reviews, branch surveillance, and heightened supervision programs.
• Maintain and enhance Written Supervisory Procedures (WSPs) and supervisory controls.
• Identify emerging supervisory risks and implement monitoring programs and surveillance enhancements.
• Lead regulatory examination preparation and coordinate responses to regulators and internal audit findings.
• Prepare and present monthly and quarterly supervision reports to executive leadership.
• Develop and deliver supervisory training for registered representatives, principals, and field leaders.
• Foster a culture of compliance through effective communication, leadership, and continuous improvement.

Director, Supervision – Broker Dealer

Advocate

• Process annuity new business and in-force transactions accurately and efficiently.
• Review applications to ensure all requirements are received “In Good Order” and identify any discrepancies.
• Communicate effectively with the field sales team via phone and email to obtain required information.
• Gain and apply knowledge of annuity processes, including ACH transactions, allocation changes, withdrawals, and surrenders.
• Meet or exceed established service standards, productivity, and quality goals.
• Identify opportunities for process improvement and contribute ideas to enhance operational efficiency.
• Collaborate with peers and leadership to maintain workflow efficiency and service excellence.

Life & Retirement Advocate II

Inside Sales Representative

• Maintain required daily call/contact volume to meet production goals
• Use effective sales techniques to achieve close-ratio targets
• Meet established quality and compliance standards
• Stay up to date with licensing and regulatory requirements