Estate planning at Horace Mann

With 17 products relevant to estate planning, Horace Mann policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Horace Mann are what determine who receives the death benefit.

Beneficiary designations at Horace Mann can be managed online, by mail, and by phone, typically taking retirement Advantage: immediate when done online at horacemann.com/myaccount. Life and annuity paper forms: allow mailing and processing time; the change is effective as of the date you signed the form, subject to any payment or action taken before Horace Mann received it.. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).