Our dedication makes all the difference.


Our benefits help support employees by protecting them when they need it most. Benefits can be used to pay for whatever employees need and can be structured to provide critical support, legacy protection, or disability income replacement. In addition, our retirement products can help employees plan for a successful future.


Supplemental Health

Our supplemental health offerings allow you to customize coverage to your lifestyle and needs. These robust benefits support you and your team every step of the way, whether that means preventative screenings, medical treatment, protection for unexpected accidents and illnesses, or recovery and reintegration to work. Coverage includes:

Accident Insurance  Critical Illness Insurance

Cancer Insurance Heart and Stroke Insurance

Hospital Indemnity Insurance

Disability Income

Your job is more than just a paycheck – You make a difference in your community every day. Yet a steady, dependable income remains critically important. Protect your assets in the event you’re unable to work for months, or even years. Our products can be configured to protect loss of income for disabilities lasting from 3 months to 5 years.

Short Term Disability Long Term Disability

Life Insurance

Your work in the community shows that thinking about others is a way of life. Take care of the people you care about the most with term life insurance. Wise Term Life Insurance and Whole Life Insurance can help you support and protect your loved ones if something should happen to you.

We also offer living benefits designed to offer additional support following a disability or terminal illness.


We offer group retirement plans to employers on a mutual fund or annuity platform. Our plans provide your benefits team with administration, recordkeeping and fiduciary support while delivering competitive and transparent pricing. And our team offers your employees onsite retirement counseling, financial wellness seminars and multiple ways to enroll in their plan. Tax types include:

403(b)                457(b)                401(a)

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Our systems align with yours. We can work with you or your broker to help you think through the programs you want to offer, and how you want to customize or personalize coverage to your goals and those of your employees. Think of WISE for benefits consulting.

We Do The Work

We've invested in technology so that you don't have to. When you choose WISE Benefits™, you select a technology platform that will align with any system or application you use. Whether you need us to integrate with a proprietary HRIS, a third-party system or other provider, we offer a turnkey solution.

Benefits Administration

Once our systems are aligned, we can provide all the reporting you require.

  • Benefit elections from all carriers and providers
  • Enrollment summaries
  • New employee elections
  • Employee status changes
  • Snapshots of employee benefit utilization

Game Changing Communications

Amazing benefits are one thing, but effectively communicating your offerings to meet employees where they are is essential. We make customizable templates available to help you build your own communications. Or we can develop, personalize, and send communications on your behalf to:

Build employee engagement prior to enrollment.
Maximize enrollment participation to meet your goals.
Provide ongoing education about coverage and benefits.

Every communication will be customized to your organization to achieve the look, feel and voice of your workplace. Your communications are designed to improve your employees’ engagement, enrollment, and user experience — as well as to demonstrate the value of the benefits you offer.


Helping Your People

Our people — from implementation IT support to our responsive U.S. based enrollment counselors and claims teams — make a real difference because they understand your unique needs. We bring our deep-rooted expertise to every organization we serve.

Benefits Counseling

Our U.S. based team is dedicated to educating employees on the options available and helping them make informed decisions. Your employees can call, go online, or set an appointment with an enrollment counselor to review which benefit options make the most sense for them.


You’re driven to serve our communities. We’re driven to help you achieve a lifetime of financial success.

We can provide assistance and education specifically created to address the unique needs of public service employees, including:

Student Loan Solutions

Help manage student loan debt

The U.S. Public Service Loan Forgiveness (PSLF) program was designed to encourage careers in public service by allowing federal loans of public service workers to be forgiven after 10 years of qualifying payments. However, navigating the process can be confusing.

Our Student Loan Solutions program offers resources, tools, and loan coaching to help borrowers determine their eligibility for student loan forgiveness and choose a repayment plan that works well for them.

Financial Literacy

Support for employees' financial wellness

We provide complimentary financial wellness workshops including financial literacy, retirement readiness and achieving financial success.

We pride ourselves on serving educators and state employees. Each state has a different retirement system, and some have more than one. We can speak to the requirements, benefits and idiosyncrasies of the respective systems and help you understand their potential retirement income.*

*Not available in Delaware or Utah.


As a national sponsor of the DonorsChoose program, we connect educators in need of classroom materials and experiences with individual donors who want to help.

Teachers regularly spend hundreds of dollars of their own money to buy classroom supplies for their students. As a national sponsor of the classroom crowdfunding platform DonorsChoose, Horace Mann provides funding for projects teachers have identified as critical to helping their students learn — and helps them keep more of their own money. Since 2011, Horace Mann and its representatives have donated more than $5.6 million to DonorsChoose projects — funding more than 51,000 projects that have helped more than 2.1 million students.