Free signup for more
- Track your favorite companies
- Receive email alerts for new filings
- Personalized dashboard of news and more
- Access all data and search results
Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. sophomore Avg
|
New words:
ABS, absence, arrangement, benchmark, beneath, Blueprint, broader, Card, Cardinal, carryback, central, character, circumspect, citing, Cominco, compromised, conflict, confusion, constrained, contractor, core, corroborated, deadline, dedicated, delivery, discipline, disposed, distressed, EA, efficiency, entirety, exerted, exit, feasible, floor, gradually, Gustav, hierarchy, identical, Ike, implied, input, intervention, Lehman, LIBOR, lowest, Mellon, Metal, mining, nonconvertible, nongovernmental, Nontraditional, notion, Numerical, Obama, orderly, pace, PCI, perpetual, posed, promulgated, prudent, quotation, Raleigh, recession, reform, resemble, resolve, securitized, Southern, standing, step, suburban, Teck, tornado, Transferor, true, Unadjusted, unforeseen, unobservable, Waiver, worksite
Removed:
accelerate, attendant, capped, coinsurance, customer, deduction, diminished, drug, expiration, forma, hailstorm, hire, improvement, instituted, losing, lost, Modernization, notice, obligated, penalty, penetration, prescription, prompt, proportional, quota, reconsider, refund, reinstate, remained, SLACC, strong, subjective, subsidy, suspect, terminated, threat, tightened
Filing tables
Filing exhibits
- 10-K Annual report
- 10.2 Amended and Restated Deferred Equity Compensation Plan for Directors
- 10.3 Amended and Restated Deferred Compensation Plan for Employees
- 10.6 Revised Specimen Employee Stock Option Agreement
- 10.6 Revised Specimen Employee Restricted Stock Unit Agreement
- 10.6 Revised Specimen Non-employee Director Restricted Stock Unit Agreement
- 10.6 Revised Specimen Restricted Stock Unit Deferral Election Form
- 10.9 Amended and Restated Nonqualified Supplemental Money Purchase Pension Plan
- 10.12 Form of Severance Agreement Between Hmec and Certain Officers
- 10.12 Revised Schedule to Severence Agreements Between Hmec and Certain Officers
- 10.13 Form of Change In Control Agreement Between Hmec and Certain Officers
- 10.13 Revised Schedule Change In Control Agreement Between Hmec and Certain Officers
- 10.14 Amendment to Employment Agreement Between Hmec and Louis G. Lower II
- 10.15 Employment Agreement Between HMSC and Stephen P. Cardinal
- 11 Statement Regarding Computation of Per Share Earnings
- 12 Statement Regarding Computation of Ratios
- 21 Subsidiaries of Hmec
- 23 Consent of KPMG LLP
- 31.1 Certification by Louis G. Lower II, Chief Executive Officer of Hmec
- 31.2 Certification by Peter H. Heckman, Chief Financial Officer of Hmec
- 32.1 Certification by Louis G. Lower II, Chief Executive Officer of Hmec
- 32.2 Certification by Peter H. Heckman, Chief Financial Officer of Hmec
- 99.1 Glossary of Selected Terms
- 99.2 Updated Numerical Exhibits to the Company's Earnings Release
Related press release
HMN similar filings
Filing view
External links
Exhibit 12
Horace Mann Educators Corporation
Computation of Ratio of Earnings to Fixed Charges
For the Years Ended December 31, 2008, 2007, 2006, 2005 and 2004
(Dollars in millions)
Year Ended December 31, | |||||||||||||||
2008 | 2007 | 2006 | 2005 | 2004 | |||||||||||
Fixed charges: | |||||||||||||||
Interest expense | $ | 14.5 | $ | 14.1 | $ | 13.1 | $ | 8.9 | $ | 6.8 | |||||
Interest credited to policyholders on interest-sensitive contracts | 131.8 | 127.2 | 122.5 | 115.9 | 108.7 | ||||||||||
Total fixed charges | $ | 146.3 | $ | 141.3 | $ | 135.6 | $ | 124.8 | $ | 115.5 | |||||
Earnings: | |||||||||||||||
Income before income taxes | $ | 0.2 | $ | 117.1 | $ | 140.3 | $ | 94.0 | $ | 69.7 | |||||
Add: Interest expense | 14.5 | 14.1 | 13.1 | 8.9 | 6.8 | ||||||||||
Subtotal – earnings before interest expense | 14.7 | 131.2 | 153.4 | 102.9 | 76.5 | ||||||||||
Add: Interest credited to policyholder on interest-sensitive contracts | 131.8 | 127.2 | 122.5 | 115.9 | 108.7 | ||||||||||
Earnings before fixed charges | $ | 146.5 | $ | 258.4 | $ | 275.9 | $ | 218.8 | $ | 185.2 | |||||
Ratio of earnings to fixed charges | 1.0x | 1.8x | 2.0x | 1.8x | 1.6x | ||||||||||
Supplemental information (A): | |||||||||||||||
Ratio of earnings before interest expense to interest expense | 1.0x | 9.3x | 11.7x | 11.6x | 11.2x | ||||||||||
(A) | Fixed charges and earnings in this calculation do not include interest credited to policyholders on interest-sensitive contracts. This adjusted coverage ratio is not required, but is provided as supplemental information because it is commonly used by individuals who analyze the Company’s results. |