Horace Mann Educators Corporation (NYSE:HMN) Q3 2020 Earnings Conference Call November 3, 2020 9:00 AM ET Company Participants Heather Wietzel - VP, IR Marita Zuraitis - President and CEO Bret Conklin - EVP and CFO Mark Desrochers - SVP and Chief Corporate Actuary Conference Call Participants John Barnidge - Piper Sandler Matt Carletti - JMP Securities Gary Ransom - Dowling & Partners Meyer Shields - KBW John Barnidge - Piper Sandler Operator Good morning, and welcome to Horace Mann Educators Third Quarter ...