Louis (Lou) Lower

Audit Committee Chair

Horace Mann Educators Corporation (Ret.)

Louis G. Lower, II served as President and CEO of Horace Mann Educators Corporation from 2000 to 2010. Horace Mann is the largest multi line insurance company meeting the retirement and personal insurance needs of K-12 educators in America.

Prior to that, Lower, 65, was with Allstate for 24 years where he served as Chief Executive Officer of Allstate Life Insurance Company for ten years and prior to that was Senior Vice President and Chief Investment Officer for both Allstate and Allstate Life.

Lower currently serves as a director of the PMI Group, a publicly held (NYSE) mortgage insurance company and the Lincoln Presidential Foundation. Lower was a director and past Chair of the NEA Foundation and LOMA and has served on the boards of the American Council of Life Insurers, LIMRA and the American College.

Lower is a graduate of Yale University where he received a Bachelor's Degree in 1967. He earned a Masters of Business Administration from Harvard University in 1970.