The Division of Insurance has stated that any personal auto filing that uses credit scoring for rating or underwriting will be rejected. The state agents' association has filed legislation to make that ban permanent but it was not acted on in this legislative session. On home insurance, credit scori...

Make sure you do your homework with the retiring agent and ask the Horace Mann rep lots of questions. I know a few years ago HM sold their MA personal auto book to Commerce Insurance. I'm not sure if they are back writing in MA or not as Horace Mann. You should confirm what lines they are selling in...