For Employees

Wise Benefits® cash benefits are paid directly to you or your designated recipient for covered claims giving you the power to choose how to use the funds.

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Life’s hardest moments often come without warning.

They also often come with unexpected financial strain. Preparing in advance can help ease the impact. Wise Benefits® provides dependable insurance protection, so you and your loved ones have support when you need it most.

Income Protection

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Protect Your Income

Help replacing a portion of your lost income during injury or illness
Healthcare professional caring for a patient during a hospital stay.

Care for Your Health

Support for unexpected costs after accidents, cancer, or illness
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Secure Resources

Protect and provide for your loved ones' futures

Insurance protection is a key element in a sound personal financial plan.

With Wise Benefits supplemental insurance designed for educators and public employees, you may protect your income and manage unexpected expenses at every stage of life. By preparing early and making adjustments as you progress through your career, you may manage your risks and enjoy financial security.

Remember, it’s never too late to start planning, so act today to learn about supplemental insurance and choose which coverage is right for you.

Find an Agent to work with today.

Wise insurance that supports your goals

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Stage 1: Purpose

Entering the Profession

You chose a career in education to make a difference. As you begin building your life and career, even small financial setbacks can have a big impact. Early protection helps reduce risk and provides a foundation for financial stability.

Piggy bank with a coin representing savings and financial security.

Stage 2: Stability

Building Stability

As your career grows, so do your responsibilities. More people may depend on your income, and financial commitments often increase. This stage is about strengthening protection and preparing for the unexpected.

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Stage 3: Protection

Providing and Leading

During peak earning years, many educators are balancing career demands, family responsibilities, and long-term financial goals. Protecting income and planning for the future becomes increasingly important.

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Stage 4: Confidence

Transitioning with Confidence

As retirement or career transitions approach, priorities often shift toward preserving financial security and protecting loved ones. The right coverage can provide predictability and peace of mind as income changes.

Supplemental insurance is designed to work alongside traditional health insurance. Wise Benefits supplemental insurance coverage is available for eligible policyholders during their different stages of life and careers. Wise Benefits supplemental insurance addresses your specific concerns and tailored insurance coverage can help you achieve your financial goals, whether you're just starting your career, raising a family, or approaching retirement.

Why Employees Choose Wise Benefits Products

Created by educators for educators and public employees

Public Service Focus

Insurance for the needs of educators and public employees with features and special rates that fit the realities of public service careers

Protection for real life

Flexible coverage, payroll deduction, and dependable claims support make it easier to use benefits when they are needed

Strength you can count on

Decades of experience, strong financial ratings, and trusted partners provide confidence in the protection you choose

A History of Financial Strength

Horace Mann is proud of its solid reputation for financial stability that it has built over the past 80+ years.

Dedicated to your financial success

Horace Mann offers no-cost financial resources to community servants, including Student Loan Solutions, local and online financial workshops and classroom crowdfunding through DonorsChoose.

Excellent Financial Strength Ratings

  • A:  AM Best

  • A:  S&P

  • A2: Moody’s Investor Service

Financial Strength Ratings current as of 5/1/2026. for more information on Horace Mann's Financial Strength Ratings, visit investors.horacemann.com.