================================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report: November 4, 2002

                        HORACE MANN EDUCATORS CORPORATION
             (Exact name of registrant as specified in its charter)


                                                           
        Delaware                        1-10890                       37-0911756
(State of incorporation)        (Commission File Number)          (I.R.S. Employer
                                                                 Identification No.)



1 Horace Mann Plaza, Springfield, Illinois                            62715-0001
 (Address of principal executive offices)                             (Zip Code)

Registrant's telephone number, including area code: 217-789-2500

================================================================================



Forward-looking Information

         Statements included in the accompanying press release that state Horace
Mann Educators Corporation's (the "Company") or its management's intentions,
hopes, beliefs, expectations or predictions of future events or the Company's
future financial performance are forward-looking statements and involve known
and unknown risks, uncertainties and other factors. It is important to note that
the Company's actual results could differ materially from those projected in
such forward-looking statements. Information concerning factors that could cause
actual results to differ materially from those in forward-looking statements is
contained from time to time in the Company's public filings with the Securities
and Exchange Commission.

Item 5:  Other Events

         On November 4, 2002, Horace Mann Educators Corporation issued a press
release reporting its financial results for the three and nine month periods
ended September 30, 2002. A copy of the press release is attached as Exhibit
99.1 and is incorporated by reference herein.

Item 7:  Financial Statements and Exhibits

         (c)   Exhibits.

               99.1 Press release dated November 4, 2002 reporting financial
                    results for the three and nine month periods ended September
                    30, 2002.

                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                HORACE MANN EDUCATORS CORPORATION

                                By:      /s/ Bret A. Conklin
                                    ------------------------------
                                    Name:   Bret A. Conklin
                                    Title:  Senior Vice President &  Controller
                                            (Principal Accounting Officer)

Date: November 4, 2002

                                       1