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  <xsd:element abstract="true" id="hmn_BarclaysBankPlcMember" name="BarclaysBankPlcMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_BasisofPresentationLineItems" name="BasisofPresentationLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_BasisofPresentationTable" name="BasisofPresentationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_BenefitConsultantsGroupInc.Member" name="BenefitConsultantsGroupInc.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_BenefitsWithdrawalsAndNetTransfersToSeparateAccountVariableAnnuityAssets" name="BenefitsWithdrawalsAndNetTransfersToSeparateAccountVariableAnnuityAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_CarryingValueFairValueAndFairValueHierarchyOfFinancialAssetsAndFinancialLiabilitiesAbstract" name="CarryingValueFairValueAndFairValueHierarchyOfFinancialAssetsAndFinancialLiabilitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_CededInsurancePremiumsAndContractChargesEarned" name="CededInsurancePremiumsAndContractChargesEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_CededInsurancePremiumsWrittenAndContractDeposits" name="CededInsurancePremiumsWrittenAndContractDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_CharitableContributionCarryforwards" name="CharitableContributionCarryforwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_CitigroupIncMember" name="CitigroupIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ContributionAndPlanAssetSummaryTableTextBlock" name="ContributionAndPlanAssetSummaryTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_CoverageAboveRetentionPerOccurrenceUnderLayerOneCatastropheReinsurance" name="CoverageAboveRetentionPerOccurrenceUnderLayerOneCatastropheReinsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_CoverageAboveRetentionPerOccurrenceUnderLayerThreeCatastropheReinsurance" name="CoverageAboveRetentionPerOccurrenceUnderLayerThreeCatastropheReinsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_CoverageAboveRetentionPerOccurrenceUnderLayerTwoCatastropheReinsurance" name="CoverageAboveRetentionPerOccurrenceUnderLayerTwoCatastropheReinsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_CreditSuisseInternationalMember" name="CreditSuisseInternationalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_CurrentIncomeTaxLiabilitiesAssets" name="CurrentIncomeTaxLiabilitiesAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_CurrentUnsecuredBankCreditFacilityMember" name="CurrentUnsecuredBankCreditFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_DebtInstrumentPercentageOfDiscountOnIssuance" name="DebtInstrumentPercentageOfDiscountOnIssuance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredCompensationArrangementWithIndividualSharesOutstanding" name="DeferredCompensationArrangementWithIndividualSharesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredIncomeTaxLiabilitiesAssets" name="DeferredIncomeTaxLiabilitiesAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredPolicyAcquisitionCostAssetBySegmentTableTextBlock" name="DeferredPolicyAcquisitionCostAssetBySegmentTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_DeferredPolicyAcquisitionCostEndingImpactOfUnrealizedInvestmentGainsLosses" name="DeferredPolicyAcquisitionCostEndingImpactOfUnrealizedInvestmentGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndPostRetirementBenefits" name="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndPostRetirementBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxAssetsUnrealizedGainsAndLossesOnFixedMaturityAndEquitySecurities" name="DeferredTaxAssetsUnrealizedGainsAndLossesOnFixedMaturityAndEquitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCostTransitionalRule" name="DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCostTransitionalRule" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxLiabilitiesInvestmentsNetUnrealizedGainsOnFixedMaturitiesAndEquitySecurities" name="DeferredTaxLiabilitiesInvestmentsNetUnrealizedGainsOnFixedMaturitiesAndEquitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxLiabilitiesTaxDeferredExpenseReservesandAccrualsLossReservesTransitionalRule" name="DeferredTaxLiabilitiesTaxDeferredExpenseReservesandAccrualsLossReservesTransitionalRule" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DeferredTaxLiabilitiesUnrealizedGainsAndLossesOnFixedMaturityAndEquitySecurities" name="DeferredTaxLiabilitiesUnrealizedGainsAndLossesOnFixedMaturityAndEquitySecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeAmortizationAbstract" name="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeAmortizationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedBenefitPlanAndOtherPostRetirementPlanExpectedContributionForNextFiscalYearEnd" name="DefinedBenefitPlanAndOtherPostRetirementPlanExpectedContributionForNextFiscalYearEnd" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedBenefitPlanAndOtherPostRetirementPlanMinimumFundingRequired" name="DefinedBenefitPlanAndOtherPostRetirementPlanMinimumFundingRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedBenefitPlanBenefitAccrual" name="DefinedBenefitPlanBenefitAccrual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedBenefitPlanPlanAssetsAdministrationExpensePaidbyEmployer" name="DefinedBenefitPlanPlanAssetsAdministrationExpensePaidbyEmployer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedBenefitPlanPrepaidAccruedBenefitExpense" name="DefinedBenefitPlanPrepaidAccruedBenefitExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_DefinedBenefitPlanServiceCostOther" name="DefinedBenefitPlanServiceCostOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedContributionPlanMinimumYearsofServiceRequiredforEligibleParticipation" name="DefinedContributionPlanMinimumYearsofServiceRequiredforEligibleParticipation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedContributionPlanTransferOfAssetsToThirdPartyProvider" name="DefinedContributionPlanTransferOfAssetsToThirdPartyProvider" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DefinedContributionPlanVestingPeriodforCompanyContributions" name="DefinedContributionPlanVestingPeriodforCompanyContributions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_DerivativeInstrumentsMember" name="DerivativeInstrumentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_DirectInsurancePremiumsAndContractChargesEarned" name="DirectInsurancePremiumsAndContractChargesEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_DirectInsurancePremiumsWrittenAndContractDeposits" name="DirectInsurancePremiumsWrittenAndContractDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_EffectiveTaxRateReconciliationNondeductibleExpenseCompensationDeductionLimitationAmount" name="EffectiveTaxRateReconciliationNondeductibleExpenseCompensationDeductionLimitationAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_EquityInNetEarningsOfSubsidiaries" name="EquityInNetEarningsOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_EstimatedExpectedMaturityAbstract" name="EstimatedExpectedMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ExercisePriceRangeFourMember" name="ExercisePriceRangeFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ExercisePriceRangeRangeOneMember" name="ExercisePriceRangeRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ExercisePriceRangeRangeThreeMember" name="ExercisePriceRangeRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ExercisePriceRangeRangeTwoMember" name="ExercisePriceRangeRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_FairValueAsPercentageOfAggregateFixedMaturitiesAndEquitySecuritiesFairValue" name="FairValueAsPercentageOfAggregateFixedMaturitiesAndEquitySecuritiesFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_FairValueAsPercentageOfAggregateFixedMaturitiesAndEquitySecuritiesFairValueForTwelveMonthsOrLess" name="FairValueAsPercentageOfAggregateFixedMaturitiesAndEquitySecuritiesFairValueForTwelveMonthsOrLess" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueMoreThan12Months" name="FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueMoreThan12Months" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPaydownsAndMaturities" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPaydownsAndMaturities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_Fairvaluemeasurementwithunobservableinputsreconciliationrecurringbasisliabilitypaydownsandmaturities" name="Fairvaluemeasurementwithunobservableinputsreconciliationrecurringbasisliabilitypaydownsandmaturities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_FavorableDevelopmentOfTotalReservesForPropertyAndCasualtyClaimsOccurringInPriorYears" name="FavorableDevelopmentOfTotalReservesForPropertyAndCasualtyClaimsOccurringInPriorYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_FederalHomeLoanBankFundingAgreements" name="FederalHomeLoanBankFundingAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_FederalHomeLoansBankOfChicagoMember" name="FederalHomeLoansBankOfChicagoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_FinancialAssetsAbstract" name="FinancialAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_FinancialLiabilitiesAbstract" name="FinancialLiabilitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_FixedIndexedAnnuitiesTermMinimum" name="FixedIndexedAnnuitiesTermMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_FixedMaturitiesAbstract" name="FixedMaturitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_FourZeroOneKPlanMember" name="FourZeroOneKPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_FreeStandingDerivativesMember" name="FreeStandingDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_GainOrLossNetAbstract" name="GainOrLossNetAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_GainOrLossesNetAbstract" name="GainOrLossesNetAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_GovernmentalAgenciesAsRequiredByLawInVariousStatesMember" name="GovernmentalAgenciesAsRequiredByLawInVariousStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_GuaranteedMinimumDeathBenefitReserve" name="GuaranteedMinimumDeathBenefitReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_HealthReimbursementAccountBalance" name="HealthReimbursementAccountBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_HealthReimbursementAccountsFunding" name="HealthReimbursementAccountsFunding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_HomeownersMember" name="HomeownersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_HoraceMannLifeInsuranceCompanyMember" name="HoraceMannLifeInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_IncomeTaxAssetLiabilityAbstract" name="IncomeTaxAssetLiabilityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_IncreaseDecreaseInStatutoryNetIncomeAbstract" name="IncreaseDecreaseInStatutoryNetIncomeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_IncreaseDecreasetoShareholdersEquityforStatutoryAdjustmentsAbstract" name="IncreaseDecreasetoShareholdersEquityforStatutoryAdjustmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_IncrementalCommonSharesAttributableToCommonStockUnitsRelatedToDeferredCompensationForEmployees" name="IncrementalCommonSharesAttributableToCommonStockUnitsRelatedToDeferredCompensationForEmployees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_IncrementalCommonSharesAttributableToRestrictedCommonStockUnitsRelatedToIncentiveCompensation" name="IncrementalCommonSharesAttributableToRestrictedCommonStockUnitsRelatedToIncentiveCompensation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_IncrementalCommonSharesAttributableToStockOptions" name="IncrementalCommonSharesAttributableToStockOptions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_InsurancePremiumsAndContractChargesEarned" name="InsurancePremiumsAndContractChargesEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_InsurancePremiumsWrittenAndContractDeposits" name="InsurancePremiumsWrittenAndContractDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_Insurancepremiumswrittenandcontractcharges" name="Insurancepremiumswrittenandcontractcharges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_InterestSensitiveLifeContractsMember" name="InterestSensitiveLifeContractsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_InvestmentContractAndLifePolicyReservesTableTextBlock" name="InvestmentContractAndLifePolicyReservesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_InvestmentDebtSecuritiesAverageOptionAdjustedDuration" name="InvestmentDebtSecuritiesAverageOptionAdjustedDuration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_InvestmentGradeRate" name="InvestmentGradeRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_InvestmentImpairmentOtherThanTemporaryImpairmentPolicyTextBlock" name="InvestmentImpairmentOtherThanTemporaryImpairmentPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_LeaseHoldImprovementsAndOtherPropertyAndEquipmentMember" name="LeaseHoldImprovementsAndOtherPropertyAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_LiabilityForFuturePolicyBenefitsDerivativeInstrumentsCarryingAmount" name="LiabilityForFuturePolicyBenefitsDerivativeInstrumentsCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_LiabilityForFuturePolicyBenefitsDerivativeInstrumentsFairValueDisclosure" name="LiabilityForFuturePolicyBenefitsDerivativeInstrumentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContractsFairValue" name="LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContractsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_LiabilityForOtherThanShortDurationAndUnallocatedClaimsAdjustmentExpenses" name="LiabilityForOtherThanShortDurationAndUnallocatedClaimsAdjustmentExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_LiabilityForPolicyHolderAccountBalancesLifeFairValue" name="LiabilityForPolicyHolderAccountBalancesLifeFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_LifeAndAnnuitySegmentsCombinedMember" name="LifeAndAnnuitySegmentsCombinedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_LifeAndHealthMember" name="LifeAndHealthMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_LongTailCoverageReservesAsPercentageOfReserves" name="LongTailCoverageReservesAsPercentageOfReserves" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_LossBeforeEquityInNetIncomeOfConsolidatedSubsidiariesAfterTax" name="LossBeforeEquityInNetIncomeOfConsolidatedSubsidiariesAfterTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_LossesIncurredForCatastropheClaimsCarryingAmount" name="LossesIncurredForCatastropheClaimsCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_MaturingOnDecember152023Member" name="MaturingOnDecember152023Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturingOnJanuary162026Member" name="MaturingOnJanuary162026Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturingOnSeptember132019Member" name="MaturingOnSeptember132019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturityDateAxis" name="MaturityDateAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturityDateDomain" name="MaturityDateDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturityPeriodOneMember" name="MaturityPeriodOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_MaturityPeriodTwoMember" name="MaturityPeriodTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_NTALifeEnterprisesMember" name="NTALifeEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_OffsettingAssetsAndLiabilityTableTextBlock" name="OffsettingAssetsAndLiabilityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_OperatingLeasesFutureMinimumPaymentsDueAfterFiveYearsToTenYears" name="OperatingLeasesFutureMinimumPaymentsDueAfterFiveYearsToTenYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_OperatingLeasesFutureMinimumPaymentsDueAfterTenYears" name="OperatingLeasesFutureMinimumPaymentsDueAfterTenYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_OtherComprehensiveIncomeLossChangeInAccountingPrincipleAdjustmentNetOfTax" name="OtherComprehensiveIncomeLossChangeInAccountingPrincipleAdjustmentNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_OtherComprehensiveIncomeLossNetOfTaxAdjusted" name="OtherComprehensiveIncomeLossNetOfTaxAdjusted" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForNewAccountingPronouncementsNetOfTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForNewAccountingPronouncementsNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_OtherComprehensiveIncomeLossSecuritiesAvailableforsaleAdjustmentafterTaxTotalBeforeNewAccountingPrincipleAdoption" name="OtherComprehensiveIncomeLossSecuritiesAvailableforsaleAdjustmentafterTaxTotalBeforeNewAccountingPrincipleAdoption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_OtherIncludingUsTreasurySecuritiesMember" name="OtherIncludingUsTreasurySecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_OtherInvestmentMember" name="OtherInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_OtherPolicyHolderFundsPolicyTextBlock" name="OtherPolicyHolderFundsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_OtherPolicyholderFund" name="OtherPolicyholderFund" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_OtherPolicyholderFundsDerivativeInstrumentsCarryingAmount" name="OtherPolicyholderFundsDerivativeInstrumentsCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_OtherPolicyholderFundsDerivativeInstrumentsFairValueDisclosure" name="OtherPolicyholderFundsDerivativeInstrumentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_OtherPolicyholderFundsFairValueDisclosure" name="OtherPolicyholderFundsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_OtherPolicyholderFundsMember" name="OtherPolicyholderFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_OtherShortDurationLinesMember" name="OtherShortDurationLinesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_OtherThanShortDurationLineMember" name="OtherThanShortDurationLineMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_PaymentsForProceedsFromAvailableforsaleSecuritiesEquitySecuritiesAbstract" name="PaymentsForProceedsFromAvailableforsaleSecuritiesEquitySecuritiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_PaymentsForProceedsFromLimitedPartnershipInvestmentsAbstract" name="PaymentsForProceedsFromLimitedPartnershipInvestmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PercentageOfCoverageForCatastropheLossesAboveRetentionAmountScenarioOne" name="PercentageOfCoverageForCatastropheLossesAboveRetentionAmountScenarioOne" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PercentageOfInvestmentPortfolioFairValuePricingServicesOrIndexPrice" name="PercentageOfInvestmentPortfolioFairValuePricingServicesOrIndexPrice" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_PercentageOfLifeReinsuredCatastropheRiskInExcessSpecifiedRetentionPerOccurrenceAmount" name="PercentageOfLifeReinsuredCatastropheRiskInExcessSpecifiedRetentionPerOccurrenceAmount" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PercentageOfLossesIncurred" name="PercentageOfLossesIncurred" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PercentageOfReversionToMeanApproachUtilizedToAmortizePolicyAcquisitionCosts" name="PercentageOfReversionToMeanApproachUtilizedToAmortizePolicyAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_PercentageofTotalFairValueAbstract" name="PercentageofTotalFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PolicyAcquisitionAndOtherOperatingExpensesPaid" name="PolicyAcquisitionAndOtherOperatingExpensesPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_PolicyLiabilities" name="PolicyLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_PolicyLiabilitiesAbstract" name="PolicyLiabilitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_PolicyholderBenefitsPaid" name="PolicyholderBenefitsPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_PotentialVariabilityOfPropertyAndCasualtyLossReserves" name="PotentialVariabilityOfPropertyAndCasualtyLossReserves" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ProbabilityOfOtherPossibleOutcomesPossibleImpactOnNetIncome" name="ProbabilityOfOtherPossibleOutcomesPossibleImpactOnNetIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_ProceedsFromSaleOfAvailableforsaleSecuritiesEquity1" name="ProceedsFromSaleOfAvailableforsaleSecuritiesEquity1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ProductandCasualtyMember" name="ProductandCasualtyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_PropertyLiabilityAndCasualtyInsuranceReinsuranceCompaniesMember" name="PropertyLiabilityAndCasualtyInsuranceReinsuranceCompaniesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_PropertyLiabilityAndCasualtyInsuranceStateInsuranceFacilitiesMember" name="PropertyLiabilityAndCasualtyInsuranceStateInsuranceFacilitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_QualifiedDefinedContributionPlanMember" name="QualifiedDefinedContributionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_RealEstatePropertyMember" name="RealEstatePropertyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ReinsuranceRecoverableOnUnpaidInsuranceReservesLineItems" name="ReinsuranceRecoverableOnUnpaidInsuranceReservesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ReinsuranceRecoverableOnUnpaidInsuranceReservesTable" name="ReinsuranceRecoverableOnUnpaidInsuranceReservesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ReinsuredAmountOfEachLossAboveRetentionInClashEvent" name="ReinsuredAmountOfEachLossAboveRetentionInClashEvent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_ReinsuredAmountOfEachPropertyLossAboveRetentionPerOccurrence" name="ReinsuredAmountOfEachPropertyLossAboveRetentionPerOccurrence" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_ReserveInvestmentYieldAssumptionLife" name="ReserveInvestmentYieldAssumptionLife" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionAmountOfEachLiabilityLossPerOccurrence" name="RetentionAmountOfEachLiabilityLossPerOccurrence" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionAmountOfEachPropertyLossPerOccurrence" name="RetentionAmountOfEachPropertyLossPerOccurrence" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionAmountPerOccurrenceRelatedToCatastropheLossesScenarioOne" name="RetentionAmountPerOccurrenceRelatedToCatastropheLossesScenarioOne" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionBaseAmountPerOccurrenceUnderLayerOne" name="RetentionBaseAmountPerOccurrenceUnderLayerOne" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionBaseAmountPerOccurrenceUnderLayerThree" name="RetentionBaseAmountPerOccurrenceUnderLayerThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_RetentionBaseAmountPerOccurrenceUnderLayerTwo" name="RetentionBaseAmountPerOccurrenceUnderLayerTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_RetirementAnnuityMember" name="RetirementAnnuityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_RetirementMember" name="RetirementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTableTextBlock" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ScheduleOfIncomeTaxAssetsLiabilitiesTableTextBlock" name="ScheduleOfIncomeTaxAssetsLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ScheduleOfReconciliationOfNetIncurredAndPaidClaimsDevelopmentToLiabilityForClaimsAndClaimAdjustmentExpensesTableTextBlock" name="ScheduleOfReconciliationOfNetIncurredAndPaidClaimsDevelopmentToLiabilityForClaimsAndClaimAdjustmentExpensesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ScheduleOfReinsuranceRecoverableOnReservesTableTextBlock" name="ScheduleOfReinsuranceRecoverableOnReservesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributedWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributedWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedForfeitedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedForfeitedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedVestedInPeriodWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedVestedInPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedVestedInPeriodWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedVestedInPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedDistributedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedDistributedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedDistributedInpEriodWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedDistributedInpEriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedNumber" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedVestedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedVestedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedVestedInPeriodWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedVestedInPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableExercisedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableExercisedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableExpiredInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableExpiredInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableForfeitedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableForfeitedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableGrantedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableGrantedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableOutstandingNumber" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableOutstandingNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableVestedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableVestedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardsEquityInstrumentsOutstanding" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardsEquityInstrumentsOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementByShareBasedPaymentAwardsEquityInstrumentsOutstandingTableTextBlock" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardsEquityInstrumentsOutstandingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePriceRange" name="ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePriceRange" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationSharesExpiredUnderStockOptionPlansExercisePriceRange" name="ShareBasedCompensationSharesExpiredUnderStockOptionPlansExercisePriceRange" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePriceRange" name="ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePriceRange" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationSharesGrantedUnderStockOptionPlansExercisePriceRange" name="ShareBasedCompensationSharesGrantedUnderStockOptionPlansExercisePriceRange" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationSharesVestedUnderStockOptionPlansExercisePriceRange" name="ShareBasedCompensationSharesVestedUnderStockOptionPlansExercisePriceRange" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ShareBasedCompensationStockOptionActivitiesByExerciseRangeAbstract" name="ShareBasedCompensationStockOptionActivitiesByExerciseRangeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShareBasedCompensationStockOptionOutstandingByExerciseRangeTableTextBlock" name="ShareBasedCompensationStockOptionOutstandingByExerciseRangeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsVestedNumberofSharesRollForward" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsVestedNumberofSharesRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsVestedWeightedAverageGrantDateFairValueRollForward" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsVestedWeightedAverageGrantDateFairValueRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsVestedandExercisableRollForward" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsVestedandExercisableRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShortTailCoverageReservesAsPercentageOfTotalReserves" name="ShortTailCoverageReservesAsPercentageOfTotalReserves" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_ShortTermAndOtherInvestmentsMember" name="ShortTermAndOtherInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_ShortdurationInsuranceContractsIncurredbutNotReportedIBNRClaimsLiabilityPlusExpectedDevelopmentOnReportedClaimsNet" name="ShortdurationInsuranceContractsIncurredbutNotReportedIBNRClaimsLiabilityPlusExpectedDevelopmentOnReportedClaimsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hmn_ShorttermInvestmentsFundsMember" name="ShorttermInvestmentsFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SocieteGeneraleMember" name="SocieteGeneraleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesRestrictedNetAssets" name="StatutoryAccountingPracticesRestrictedNetAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitaLandSurplusBalanceIncreaseDueToInvestmentFairValueAdjustmentsOnFixedMaturities" name="StatutoryAccountingPracticesStatutoryCapitaLandSurplusBalanceIncreaseDueToInvestmentFairValueAdjustmentsOnFixedMaturities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToFederalIncomeTaxLiability" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToFederalIncomeTaxLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToNetFundedStatusOfPensionAndOtherPostretirementBenefitObligations" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToNetFundedStatusOfPensionAndOtherPostretirementBenefitObligations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToParentCompanyShortTermAndLongTermDebt" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToParentCompanyShortTermAndLongTermDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToShareholdersEquityDeficitOfParentCompanyAndNonInsuranceSubsidiaries" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceDecreaseDueToShareholdersEquityDeficitOfParentCompanyAndNonInsuranceSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDeferredPolicyAcquisitionCosts" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDeferredPolicyAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDifferenceInInvestmentReserves" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDifferenceInInvestmentReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDifferenceInPolicyHolderReserves" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToDifferenceInPolicyHolderReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToGoodwill" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToNonAdmittedAssetsAndOtherNet" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalanceIncreaseDueToNonAdmittedAssetsAndOtherNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmount" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountDecreaseDueToFederalIncomeTaxExpense" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountDecreaseDueToFederalIncomeTaxExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountDecreaseDueToOtherAdjustments" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountDecreaseDueToOtherAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDueToDeferredPolicyAcquisitionCosts" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDueToDeferredPolicyAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDueToInvestmentReserves" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDueToInvestmentReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDuetoPolicyHolderBenefits" name="StatutoryAccountingPracticesStatutoryCombinedNetIncomeAmountIncreaseDuetoPolicyHolderBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryInterestExpense" name="StatutoryAccountingPracticesStatutoryInterestExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryNetLossOfNonInsuranceCompanies" name="StatutoryAccountingPracticesStatutoryNetLossOfNonInsuranceCompanies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutoryAccountingPracticesStatutoryTaxBenefitOfInterestExpenseAndOtherParentCompanyCurrentTaxAdjustments" name="StatutoryAccountingPracticesStatutoryTaxBenefitOfInterestExpenseAndOtherParentCompanyCurrentTaxAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StatutorySurplusAndSubsidiaryDividendRestrictionsTextBlock" name="StatutorySurplusAndSubsidiaryDividendRestrictionsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_StockIssuedDuringPeriodSharesConversionOfCommonStockUnits" name="StockIssuedDuringPeriodSharesConversionOfCommonStockUnits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_StockIssuedDuringPeriodSharesConversionOfRestrictedStockUnits" name="StockIssuedDuringPeriodSharesConversionOfRestrictedStockUnits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_StockIssuedDuringPeriodSharesStockOptionsExercisedIncludingStockSwapAdjustment" name="StockIssuedDuringPeriodSharesStockOptionsExercisedIncludingStockSwapAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_StockIssuedDuringPeriodValueConversionOfCommonStockUnits" name="StockIssuedDuringPeriodValueConversionOfCommonStockUnits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_StockIssuedDuringPeriodValueConversionOfRestrictedStockUnits" name="StockIssuedDuringPeriodValueConversionOfRestrictedStockUnits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_SummaryOfGuaranteedMinimumDeathBenefitTableTextBlock" name="SummaryOfGuaranteedMinimumDeathBenefitTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SummaryOfReinsuranceRecoverableOnUnpaidInsuranceReservesAbstract" name="SummaryOfReinsuranceRecoverableOnUnpaidInsuranceReservesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_SummaryOfStockOptionActivityAbstract" name="SummaryOfStockOptionActivityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_SupplementaryInsuranceInformationForInsuranceCompaniesDisclosureAndScheduleOfSupplementalInformationForPropertyCasualtyInsuranceUnderwritersTextBlock" name="SupplementaryInsuranceInformationForInsuranceCompaniesDisclosureAndScheduleOfSupplementalInformationForPropertyCasualtyInsuranceUnderwritersTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsAndJobsActDecreaseInDeferredTaxLiabilityDueToTransitionTax" name="TaxCutsAndJobsActDecreaseInDeferredTaxLiabilityDueToTransitionTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateDeferredTaxLiabilityProvisionalIncomeTaxExpenseBenefit" name="TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateDeferredTaxLiabilityProvisionalIncomeTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarningsTaxEffect" name="TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarningsTaxEffect" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsandJobsActEarningsPerShareBasic" name="TaxCutsandJobsActEarningsPerShareBasic" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsandJobsActEarningsPerShareDiluted" name="TaxCutsandJobsActEarningsPerShareDiluted" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_TaxCutsandJobsActMeasurementPeriodAdjustmentDifferenceFromProvisionalAmounts" name="TaxCutsandJobsActMeasurementPeriodAdjustmentDifferenceFromProvisionalAmounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hmn_TreasuryStockPercentageofOutstandingSharesReacquired" name="TreasuryStockPercentageofOutstandingSharesReacquired" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_TwoThousandElevenEquityIncentivePlanMember" name="TwoThousandElevenEquityIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_TwoThousandFifteenEquityIncentivePlanMember" name="TwoThousandFifteenEquityIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_TwoThousandTenComprehensiveExecutiveCompensationPlanMember" name="TwoThousandTenComprehensiveExecutiveCompensationPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_UsGovernmentAndFederallySponsoredAgencyObligationsAbstract" name="UsGovernmentAndFederallySponsoredAgencyObligationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hmn_VariableAnnuityContractValueDistributionBasedOnGuaranteedMinimumDeathBenefitPlanAbstract" name="VariableAnnuityContractValueDistributionBasedOnGuaranteedMinimumDeathBenefitPlanAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hmn_VariableAnnuityContractValueDistributionGuaranteeOfPremiumRollUpAnnualInterestRate" name="VariableAnnuityContractValueDistributionGuaranteeOfPremiumRollUpAnnualInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_VariableAnnuityContractValueDistributionNoGuaranteePercent" name="VariableAnnuityContractValueDistributionNoGuaranteePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_VariableAnnuityContractValueDistributionPercent" name="VariableAnnuityContractValueDistributionPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_VariableAnnuityContractValueDistributionReturnOfPremiumGuaranteePercent" name="VariableAnnuityContractValueDistributionReturnOfPremiumGuaranteePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_VariableCommitmentFeeChargeOnUnusedPortionOfCreditFacility" name="VariableCommitmentFeeChargeOnUnusedPortionOfCreditFacility" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hmn_WeightedAverageFairValueOfNonvestedOptionsOutstanding" name="WeightedAverageFairValueOfNonvestedOptionsOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
</xsd:schema>
