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  <xs:element id="hmn_NonLifeContingentSinglePremiumImmediateAnnuityInsuranceMember" abstract="true" name="NonLifeContingentSinglePremiumImmediateAnnuityInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_DueAfter1YearThrough5YearsPercentOfTotalFairValue" abstract="false" name="DueAfter1YearThrough5YearsPercentOfTotalFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_FreeStandingDerivativesMember" abstract="true" name="FreeStandingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_DirectInsurancePremiumsAndContractChargesEarned" abstract="false" name="DirectInsurancePremiumsAndContractChargesEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_MaritaZuraitisMember" abstract="true" name="MaritaZuraitisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hmn_SupplementHealthInsuranceRelatedToCancerMember" abstract="true" name="SupplementHealthInsuranceRelatedToCancerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueLessThan12Months" abstract="false" name="FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueLessThan12Months" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitLapseRateExpectedExperience" abstract="false" name="LiabilityForFuturePolicyBenefitLapseRateExpectedExperience" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_LifeAndRetirementSegmentMember" abstract="true" name="LifeAndRetirementSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_ReinsuranceNetAmountAbstract" abstract="true" name="ReinsuranceNetAmountAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hmn_PaydownsMaturitiesAndDistributions" abstract="false" name="PaydownsMaturitiesAndDistributions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTableTextBlock" abstract="false" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="hmn_MeasurementInputOptionAdjustedSpreadMember" abstract="true" name="MeasurementInputOptionAdjustedSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hmn_OtherPolicyholderFund" abstract="false" name="OtherPolicyholderFund" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_InvestmentGradeRate" abstract="false" name="InvestmentGradeRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_PolicyholderAccountBalanceWithAGuaranteedMinimumCreditingRateMember" abstract="true" name="PolicyholderAccountBalanceWithAGuaranteedMinimumCreditingRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChangeIncludingReservesFromAcquisition" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChangeIncludingReservesFromAcquisition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitMortalityRateActualExperience" abstract="false" name="LiabilityForFuturePolicyBenefitMortalityRateActualExperience" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueMoreThan12Months" abstract="false" name="FairValueAsPercentageOfTotalFixedMaturitiesAndEquitySecuritiesFairValueMoreThan12Months" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_DirectInsurancePremiumsWrittenAndContractDeposits" abstract="false" name="DirectInsurancePremiumsWrittenAndContractDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_DueAfter20YearsPercentOfTotalFairValue" abstract="false" name="DueAfter20YearsPercentOfTotalFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_ReverseRepurchaseAgreementCashToValuePercentage" abstract="false" name="ReverseRepurchaseAgreementCashToValuePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_AssumedInsurancePremiumsAndContractChargesEarned" abstract="false" name="AssumedInsurancePremiumsAndContractChargesEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_PolicyholderAccountBalanceCashSurrenderValueDuringPeriod" abstract="false" name="PolicyholderAccountBalanceCashSurrenderValueDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_PrincipalRepaymentOnFederalHomeLoanBankFundingAgreements" abstract="false" name="PrincipalRepaymentOnFederalHomeLoanBankFundingAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_InvestmentPortfolioMember" abstract="true" name="InvestmentPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_SPIALifeContingentDPLMember" abstract="true" name="SPIALifeContingentDPLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_EstimatedExpectedMaturityAbstract" abstract="true" name="EstimatedExpectedMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hmn_CededInsurancePremiumsWrittenAndContractDeposits" abstract="false" name="CededInsurancePremiumsWrittenAndContractDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_PercentageOfLevel3InvestedAssetsInTotalInvestmentPortfolio" abstract="false" name="PercentageOfLevel3InvestedAssetsInTotalInvestmentPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_ShortTermAndOtherInvestments" abstract="false" name="ShortTermAndOtherInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_ExternalPricingSourceMember" abstract="true" name="ExternalPricingSourceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hmn_SupplementHealthInsuranceRelatedToAccidentMember" abstract="true" name="SupplementHealthInsuranceRelatedToAccidentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_PolicyholderFundsFairValue" abstract="false" name="PolicyholderFundsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_NetIncreaseDecreaseInReverseRepurchaseAgreements" abstract="false" name="NetIncreaseDecreaseInReverseRepurchaseAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_GainOrLossNetAbstract" abstract="true" name="GainOrLossNetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hmn_CededInsurancePremiumsAndContractChargesEarned" abstract="false" name="CededInsurancePremiumsAndContractChargesEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_OtherPolicyholderFundsFairValueDisclosure" abstract="false" name="OtherPolicyholderFundsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500AndGreaterMember" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500AndGreaterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_ReinsuranceReceivable" abstract="false" name="ReinsuranceReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_SupplementHealthInsuranceRelatedToDisabilityMember" abstract="true" name="SupplementHealthInsuranceRelatedToDisabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_PremiumsAndContractChargesEarnedNetAmount" abstract="false" name="PremiumsAndContractChargesEarnedNetAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_FederalHomeLoanBankFundingAgreements" abstract="false" name="FederalHomeLoanBankFundingAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_PolicyholderAccountBalanceWeightedAverageCreditingRateDuringPeriod" abstract="false" name="PolicyholderAccountBalanceWeightedAverageCreditingRateDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0499Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0499Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitAdjustmentDueToReserveFlooring" abstract="false" name="LiabilityForFuturePolicyBenefitAdjustmentDueToReserveFlooring" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_SeniorCommercialMortgageLoanFundsMember" abstract="true" name="SeniorCommercialMortgageLoanFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_ShortTermAndOtherInvestmentsMember" abstract="true" name="ShortTermAndOtherInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_AverageOptionAdjustedDurationInYears" abstract="false" name="AverageOptionAdjustedDurationInYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="hmn_InsurancePremiumsWrittenAndContractDeposits" abstract="false" name="InsurancePremiumsWrittenAndContractDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_OtherInvestmentFairValueDisclosure" abstract="false" name="OtherInvestmentFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceIncludingReservesFromAcquisition" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceIncludingReservesFromAcquisition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_GainOrLossesNetAbstract" abstract="true" name="GainOrLossesNetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hmn_StandardPoorsNotRatedRatingMemberMember" abstract="true" name="StandardPoorsNotRatedRatingMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_PercentageofTotalFairValueAbstract" abstract="true" name="PercentageofTotalFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hmn_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPaydownsAndMaturities" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPaydownsAndMaturities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_AOCINetReserveRemeasurementsAttributableToDiscountRatesMember" abstract="true" name="AOCINetReserveRemeasurementsAttributableToDiscountRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitMortalityRateExpectedExperience" abstract="false" name="LiabilityForFuturePolicyBenefitMortalityRateExpectedExperience" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_GroupBenefitsMember" abstract="true" name="GroupBenefitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_GovernmentalAgenciesAsRequiredByLawInVariousStatesMember" abstract="true" name="GovernmentalAgenciesAsRequiredByLawInVariousStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_DueIn1YearOrLessPercentOfTotalFairValue" abstract="false" name="DueIn1YearOrLessPercentOfTotalFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hmn_LifeContingentSPIARetirementInsuranceMember" abstract="true" name="LifeContingentSPIARetirementInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_MeasurementInputOptionBudgetMember" abstract="true" name="MeasurementInputOptionBudgetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_LiabilityForFuturePolicyBenefitLapseRateActualExperience" abstract="false" name="LiabilityForFuturePolicyBenefitLapseRateActualExperience" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hmn_FairValuePricingSourceAxis" abstract="true" name="FairValuePricingSourceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="hmn_OtherthanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsChangeInIntent" abstract="false" name="OtherthanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsChangeInIntent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_ProceedsFromSaleAndMaturityOfMarketableSecuritiesExcludingFHLBRepayments" abstract="false" name="ProceedsFromSaleAndMaturityOfMarketableSecuritiesExcludingFHLBRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_SupplementalAndGroupBenefitsSegmentMember" abstract="true" name="SupplementalAndGroupBenefitsSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_DueAfter10YearsThrough20YearsAmortizedCost" abstract="false" name="DueAfter10YearsThrough20YearsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hmn_FairValuePricingSourceDomain" abstract="true" name="FairValuePricingSourceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hmn_InternalPricingSourceMember" abstract="true" name="InternalPricingSourceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hmn_MeasurementInputNonPerformanceAdjustmentMember" abstract="true" name="MeasurementInputNonPerformanceAdjustmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hmn_BenefitsWithdrawalsAndNetTransfersToSeparateAccountVariableAnnuityAssets" abstract="false" name="BenefitsWithdrawalsAndNetTransfersToSeparateAccountVariableAnnuityAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
