Horace Mann

• 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.

Role Description Data Scientist – Property & Casualty (P&C) - 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. Qualifications - Master’s degree in Data Science or related field (e.g., Statistics, Applied Economics) required. Requirements - 5+ years of experience in P&C insurance product management, pricing, or analytics. - Experience in Personal Lines insurance. - Familiarity with cloud-based analytics platforms and modern data engineering practices. - Experience supporting product strategy, pricing, exposure management, or regulatory reporting. - Strong programming skills in Python, R, and SQL. - Experience developing predictive models, machine learning solutions, and statistical analyses. - Experience creating dashboards and visualizations using business intelligence tools. - Strong analytical, communication, and project management skills. - Experience with generative AI tools for software development or analytics is a plus. Benefits - Salary Range: $89,800.00 - $125,500.00 - Salary is commensurate to experience, location, etc. Company Description Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets. We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators. - EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. - For applicants that are California residents, please review our California Consumer Privacy Notice. - All applicants should review our Horace Mann Privacy Policy.

• Partner with regional and district leaders to identify and recruit qualified candidates for exclusive insurance and financial services agent opportunities. • Develop and execute sourcing strategies using Greenhouse, LinkedIn Recruiter, Appcast, Wall Street Jobs, referrals, and other recruiting platforms. • Maintain a high level of recruiting activity, generating a minimum of 25 qualified candidate conversations per week and advancing 7–8 candidates weekly to Field Leader interviews. • Conduct candidate outreach, screening, and qualification to assess alignment with Horace Mann's agent opportunity. • Manage the full recruitment lifecycle from sourcing and screening through offer acceptance and appointment. • Meet annual hiring goals, including the appointment of a minimum of 40 agents per year. • Partner closely with field leaders throughout the interview and selection process to ensure a positive candidate experience and timely hiring decisions. • Serve as the primary point of contact for candidates throughout the recruiting process, maintaining consistent communication and follow-up. • Maintain accurate candidate records and recruiting activity within Greenhouse and other recruiting systems. • Track and report recruiting activity, candidate pipeline metrics, interview conversions, and hiring results on a regular basis. • Analyze recruiting data and sourcing effectiveness to identify opportunities for process improvement and increased hiring success. • Collaborate with recruiting leadership, HR, and field management to support hiring goals and ensure compliance with company policies and recruiting practices.

• Investigate, evaluate, negotiate, and resolve auto claims • Manage a diverse inventory of claims independently • Apply advanced claims knowledge to determine coverage, investigate liability, evaluate damages, and negotiate fair settlements • Provide proactive communication to customers and involved parties • Collaborate with internal departments to facilitate timely claim resolution

• 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.

• 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.

• 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.

• Develop and execute the long-term strategy for agency growth, profitability, and market expansion. • Inspire and lead a nationwide field organization focused on delivering exceptional results. • Recruit, develop, and retain top-performing agency owners, producers, and field leaders. • Strengthen agency productivity through coaching, sales enablement, technology, and modern distribution strategies. • Partner across Marketing, Product, Finance, Claims, Service, Human Resources, and Operations to create an exceptional experience for agents and customers. • Expand Horace Mann's presence within schools, districts, education associations, and local communities. • Lead innovative initiatives that enhance digital selling, lead generation, and agency performance. • Build a culture of accountability, collaboration, innovation, and continuous improvement.

• Verify coverage, investigate liability, and determine the scope of damages for assigned bodily injury claims. • Conduct thorough, detailed, and accurate investigations to evaluate claim facts and determine appropriate resolutions. • Evaluate accident facts, injuries, medical records, and medical bills to determine causation, liability, and claim value. • Analyze claim information and move claims toward timely and appropriate resolution. • Negotiate settlements in accordance with company best claim practices and applicable state regulations. • Manage an assigned inventory of bodily injury claims while working independently and making sound claims decisions. • Maintain ownership of the claim throughout the claim lifecycle while providing a seamless customer experience. • Provide proactive, transparent, and timely communication to customers, claimants, attorneys, and other involved parties. • Deliver an extraordinary customer experience through professionalism, empathy, and responsive service. • Collaborate with internal departments and external vendors to ensure efficient claim resolution. • Continue building technical knowledge of bodily injury claims, litigation, and regulatory requirements.

• Investigate and manage complex bodily injury claims, including litigation, uninsured/underinsured motorist claims, and other high-exposure losses. • Verify coverage, determine liability, evaluate damages, and conduct thorough investigations to support claim decisions. • Analyze medical documentation, applicable laws, and case precedent to complete comprehensive bodily injury evaluations. • Demonstrate sound judgment in evaluating liability, damages, and settlement opportunities. • Manage injury litigation from assignment through resolution. • Prepare mediation and arbitration submissions and represent the company through the dispute resolution process. • Partner with defense counsel and other legal professionals to develop claim strategies and achieve appropriate outcomes. • Negotiate settlements while adhering to company best claim practices and regulatory requirements. • Deliver an exceptional customer experience by maintaining proactive, transparent communication throughout the life of the claim. • Keep insureds, claimants, attorneys, and other involved parties informed regarding claim status and resolution. • Handle sensitive and high-stress customer interactions with professionalism and empathy. • Serve as a technical resource and subject matter expert for complex bodily injury claims. • Mentor and provide guidance to less experienced claim professionals. • Share knowledge and best practices to support team development and continuous improvement. • Maintain compliance with all state regulations, company policies, and claims handling standards. • Obtain and maintain all required state adjuster licenses. • Effectively utilize claims management systems and other technology tools to manage assigned inventory. • Maintain ownership of assigned claims while meeting quality, productivity, and service expectations.