102-6 Markets served 10-K pages 1–21 102-7 Scale of the organization 10-K pages 1–21 102-8 Information on employees and other workers 10-K page 21 102-9 Supply chain Page 24 of this report 102-10 Significant changes to the organization and its supply chain None 102-11 Approach to risk management Horace Mann does not follow the precautionary approach, but has a comprehensive risk management plan in place.