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Exhibit 23
CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS
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We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 33-45152) pertaining to the Horace Mann Supplemental Retirement and
Savings Plan and in the related Prospectus of our report dated May 5, 2000 with
respect to the financial statements and supplemental schedule of the Horace Mann
Supplemental Retirement and Savings Plan included in this Annual Report (Form
11-K) for the year ended December 31, 1999.
Chicago, Illinois
June 28, 2000
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