Horace Mann Educators Corporation (NYSE:HMN) Q4 2022 Earnings Conference Call February 8, 2023 12:00 PM ET

Company Participants

Marita Zuraitis - President, Chief Executive Officer

Bret Conklin - Executive Vice President, Chief Financial Officer

Mark Desrochers - Senior Vice President, Property and Casualty

Matt Sharpe - Executive Vice President, Supplemental and Group Benefits

Heather Wietzel - Vice President, Investor Relations

Conference Call Participants

Sid - Raymond James

John Barnidge - Piper Sandler

Derek Han - KBW

Operator

Good day and welcome to the Horace Mann Educators Q4 2022 investor call.

All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today’s presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your touchtone phone. To withdraw from the question queue, please press star then two. Please note this event is being recorded.

I would now like to turn the conference over to Heather Wietzel, Vice President, Investor Relations. Please go ahead.

Heather Wietzel

Thank you and good morning everyone. Welcome to Horace Mann’s discussion of our fourth quarter and full year results. Yesterday, we issued our earnings release, investor supplement and investor presentation. Copies are available on the Investor page of our website.

Marita Zuraitis, President and Chief Executive Officer, and Bret Conklin, Executive Vice President and Chief Financial Officer will give the formal remarks on today’s call. With us for the Q&A, we have Matt Sharpe, Mark Desrochers, Mike Weckenbrock, and Ryan Greenier.

Before turning it over to Marita, I want to note that our presentation today includes forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. The company cautions investors that any forward-looking statements include risks and uncertainties and are not guarantees of future performance. These forward-looking statements are based on management’s current expectations and we assume no obligation to update them. Actual results may differ materially due to a variety of factors which are described in our news release and SEC filings.

In our prepared remarks, we use some non-GAAP measures. Reconciliations of these measures to the most comparable GAAP measures are available in our investor supplement.

I’ll now turn the call over to Marita.

Marita Zuraitis

Thanks Heather, and hello everyone. In line with our pre-announcement, last night we reported full year 2022 core earnings per share of $1.09, which included a fourth quarter core loss of $0.11 per share.