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 (date of earliest event reported): 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 made in the following discussion or the exhibits annexed to this
Form 8-K that state  Horace Mann  Educators  Corporation's  (the  "Company")  or
management's  intentions,  hopes,  beliefs,  expectations  or predictions of the
future  or  the  Company's  future  financial  performance  are  forward-looking
statements.  It is important to note that the  Company's  actual  results  could
differ materially from those projected in such forward-looking statements due to
known and unknown  risks,  uncertainties  and other  factors  that may cause the
Company's or its industry's actual results,  levels of activity,  performance or
achievements  to be materially  different from those expressed or implied by any
forward-looking  statements.  These statements are only predictions and there is
no assurance that such expectations will prove to be correct.

     Item 5: Other Events

     On November 4, 2002,  the Company  issued a press  release  announcing  the
effectiveness of its Shelf Registration  Statement on Form S-3 (Registration No.
333-98043)  originally  filed with the  Securities  and Exchange  Commission  on
August 13,  2002,  and amended on September  17, 2002 and October 11, 2002.  The
Shelf  Registration  Statement  registers  the  resale of the  Company's  Senior
Convertible  Notes  due  May  14,  2032  by the  securityholders  listed  in the
prospectus  contained  in the  registration  statement  and  the  common  shares
issuable upon  conversion of the Senior  Convertible  Notes. A copy of the press
release is attached as Exhibit 99.1 and is incorporated by reference herein.

     Item 7: Financial Statements, Pro Forma Financial Information and Exhibits.

     (c) Exhibits

     Exhibit No.      Description

     99.1             Press release dated November 4,2002  announcing the
                      effectiveness of Horace Mann Educators  Corporation's
                      Shelf  Registration  Statement on Form S-3 (Registration
                      No.  333-98043)  originally filed with the Securities and
                      Exchange Commission on August 13, 2002, and amended on
                      September 17, 2002 and October 11, 2002.


                                   SIGNATURES

     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





Date: November 4, 2002                 By: /s/ Peter H. Heckman
                                          --------------------------------------
                                          Peter H. Heckman
                                          Chief Financial Officer





<PAGE>


                                  EXHIBIT INDEX

     Exhibit No.      Description
     -----------      -----------

     99.1             Press release dated November 4, 2002 announcing the
                      effectiveness of Horace Mann Educators Corporation's Shelf
                      Registration Statement on Form S-3 (Registration No.
                      333-98043) originally filed with the Securities and
                      Exchange Commission on August 13, 2002, and amended on
                      September 17, 2002 and October 11, 2002.

<PAGE>
                                                                    Exhibit 99.1


     HORACE  MANN  EDUCATORS  CORPORATION  ANNOUNCES  EFFECTIVENESS  OF FORM S-3
REGISTERING THE RESALE OF OUTSTANDING SENIOR CONVERTIBLE NOTES

     SPRINGFIELD,  Ill., - November 4, 2002 - Horace Mann Educators  Corporation
(NYSE:  HMN) announced today that its Shelf  Registration  Statement on Form S-3
(File No. 333-98043), which was originally filed on August 13, 2002, and amended
on September 17, 2002 and October 11, 2002,  has been declared  effective by the
Securities and Exchange Commission.  The Form S-3 registers the resale of Horace
Mann's Senior Convertible Notes due May 14, 2032 by the  securityholders  listed
in the prospectus contained in the registration  statement and the common shares
issuable upon conversion of the notes.  The notes are convertible into shares of
the common stock of Horace Mann  Educators  Corporation  upon the  occurrence of
certain conditions at a conversion rate of 17.763 shares of the common stock per
note,  which is equal to a  conversion  price of $26.74  per share of the common
stock.  Copies of the  prospectus  may be  obtained  by  contacting  Horace Mann
Educators Corporation,  1 Horace Mann Plaza,  Springfield,  Illinois 62715-0001,
Attention: General Counsel.

     The Company's  filings with the SEC can be viewed on Horace Mann's website,
www.horacemann.com, on the Investor Relations page, by clicking on the menu item
"SEC Filings."

     Founded in 1945 and  headquartered in Springfield,  Ill., Horace Mann sells
retirement  annuities  and  automobile,  homeowner  and  life  insurance  to the
nation's educators and their families.
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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 (date of earliest event reported): 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 made in the following discussion or the exhibits annexed to this
Form 8-K that state  Horace Mann  Educators  Corporation's  (the  "Company")  or
management's  intentions,  hopes,  beliefs,  expectations  or predictions of the
future  or  the  Company's  future  financial  performance  are  forward-looking
statements.  It is important to note that the  Company's  actual  results  could
differ materially from those projected in such forward-looking statements due to
known and unknown  risks,  uncertainties  and other  factors  that may cause the
Company's or its industry's actual results,  levels of activity,  performance or
achievements  to be materially  different from those expressed or implied by any
forward-looking  statements.  These statements are only predictions and there is
no assurance that such expectations will prove to be correct.

     Item 5: Other Events

     On November 4, 2002,  the Company  issued a press  release  announcing  the
effectiveness of its Shelf Registration  Statement on Form S-3 (Registration No.
333-98043)  originally  filed with the  Securities  and Exchange  Commission  on
August 13,  2002,  and amended on September  17, 2002 and October 11, 2002.  The
Shelf  Registration  Statement  registers  the  resale of the  Company's  Senior
Convertible  Notes  due  May  14,  2032  by the  securityholders  listed  in the
prospectus  contained  in the  registration  statement  and  the  common  shares
issuable upon  conversion of the Senior  Convertible  Notes. A copy of the press
release is attached as Exhibit 99.1 and is incorporated by reference herein.

     Item 7: Financial Statements, Pro Forma Financial Information and Exhibits.

     (c) Exhibits

     Exhibit No.      Description

     99.1             Press release dated November 4,2002  announcing the
                      effectiveness of Horace Mann Educators  Corporation's
                      Shelf  Registration  Statement on Form S-3 (Registration
                      No.  333-98043)  originally filed with the Securities and
                      Exchange Commission on August 13, 2002, and amended on
                      September 17, 2002 and October 11, 2002.

                                   SIGNATURES

     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

Date: November 4, 2002                 By: /s/ Peter H. Heckman
                                          --------------------------------------
                                          Peter H. Heckman
                                          Chief Financial Officer
EXHIBIT INDEX

     Exhibit No.      Description
     -----------      -----------

     99.1             Press release dated November 4, 2002 announcing the
                      effectiveness of Horace Mann Educators Corporation's Shelf
                      Registration Statement on Form S-3 (Registration No.
                      333-98043) originally filed with the Securities and
                      Exchange Commission on August 13, 2002, and amended on
                      September 17, 2002 and October 11, 2002.
Exhibit 99.1

     HORACE  MANN  EDUCATORS  CORPORATION  ANNOUNCES  EFFECTIVENESS  OF FORM S-3
REGISTERING THE RESALE OF OUTSTANDING SENIOR CONVERTIBLE NOTES

     SPRINGFIELD,  Ill., - November 4, 2002 - Horace Mann Educators  Corporation
(NYSE:  HMN) announced today that its Shelf  Registration  Statement on Form S-3
(File No. 333-98043), which was originally filed on August 13, 2002, and amended
on September 17, 2002 and October 11, 2002,  has been declared  effective by the
Securities and Exchange Commission.  The Form S-3 registers the resale of Horace
Mann's Senior Convertible Notes due May 14, 2032 by the  securityholders  listed
in the prospectus contained in the registration  statement and the common shares
issuable upon conversion of the notes.  The notes are convertible into shares of
the common stock of Horace Mann  Educators  Corporation  upon the  occurrence of
certain conditions at a conversion rate of 17.763 shares of the common stock per
note,  which is equal to a  conversion  price of $26.74  per share of the common
stock.  Copies of the  prospectus  may be  obtained  by  contacting  Horace Mann
Educators Corporation,  1 Horace Mann Plaza,  Springfield,  Illinois 62715-0001,
Attention: General Counsel.

     The Company's  filings with the SEC can be viewed on Horace Mann's website,
www.horacemann.com, on the Investor Relations page, by clicking on the menu item
"SEC Filings."

     Founded in 1945 and  headquartered in Springfield,  Ill., Horace Mann sells
retirement  annuities  and  automobile,  homeowner  and  life  insurance  to the
nation's educators and their families.