Premium Credit FAQs

As part of our Teacher Appreciation Giveback Program, we are offering a premium credit to eligible auto insurance customers.

Why am I receiving a premium credit?
We are crediting customers with 15% of three months of auto premiums, subject to regulatory approval, because driving has declined as a result of the COVID-19 pandemic.

How much is the premium credit for?
The credit is 15% of three months of auto premiums for eligible auto insurance customers calculated on your state’s premium average and is subject to regulatory approval.

Who will receive a credit?
All active auto customers with a policy in-force at any time during the months of March, April and May will receive a premium credit to their account.

How and when will I receive my credit?
Following regulatory approval, credit will be applied automatically to your account no later than August 10, 2020. No action is required on your part to receive this credit.

Will I receive a credit on all my policies?
You will receive a premium credit on any eligible auto insurance policy with Horace Mann.

Do I need to do anything to receive my credit?
No. There is no action required to receive this credit.

Can I receive a refund instead of a credit?
If your account is paid in full or the credit exceeds the premium due, you will receive a refund check.

What happens if I have made changes to my policy during this time period that affected my premium?
We will account for any policy change and recalculate your premium appropriately. You will receive an updated Declarations page and billing statement upon completion of the policy change.

What if the credit is larger than my upcoming payment?
If the credit to your account is larger than your upcoming payment, a check will be issued to you.

What kind of payment options do I have right now?
We have a range of flexible payment options including forbearance, and can help you select what works best for you. Please contact us at 855-393-8641, 7 a.m. – 8 p.m. CT, M-F.

Important information for customers unable to make payments during COVID-19

Learn more about Horace Mann’s Teacher Appreciation Giveback Program



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