VEDDER PRICE                          VEDDER, PRICE, KAUFMAN & KAMMHOLZ, P.C.
                                      222 NORTH LASALLE STREET
                                      CHICAGO, ILLINOIS 60601-1003
                                      312-609-7500
                                      FACSIMILE: 312-609-5005

                                      OFFICES IN CHICAGO, NEW YORK CITY
                                      AND LIVINGSTON, NEW JERSEY



                                      May 6, 2004



Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

         Re:      Horace Mann Mutual Funds
                  File Nos. 333-15881 and 811-07917
                  ---------------------------------

To The Commission:

         Pursuant to Rule 497(j) of Regulation C, under the Securities Act of
1933, in lieu of filing under paragraph (b) or (c) of Rule 497, on behalf of the
Registrant, we hereby certify that (1) the form of Prospectus dated May 1, 2004
and Statement of Additional Information dated May 1, 2004 for the
above-captioned Registrant that would have been filed under paragraph (b) or (c)
of Rule 497 does not differ from that contained in the most recent registration
statement or amendment and (2) the text of the most recent registration
statement or amendment has been filed electronically.

                                            Very truly yours,



                                            /s/Renee M. Hardt
                                            -----------------

                                            Renee M. Hardt