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Insurance (Tables)

9 Months Ended

Sep. 30, 2012


	Future Policy Benefits				Policyholder Account Balances				Other Policy-Related Balances
	September 30, 2012		December 31, 2011		September 30, 2012		December 31, 2011		September 30, 2012		December 31, 2011
	(In millions)
Retail	$	67,480	$	66,451	$	67,417	$	69,553	$	2,820	$	2,868
Group, Voluntary & Worksite Benefits		17,883		16,309		9,039		9,273		3,493		3,317
Corporate Benefit Funding		52,497		49,657		64,162		56,367		181		201
Latin America		7,325		6,299		7,017		6,159		1,493		1,432
Asia		33,671		32,419		63,953		59,739		6,102		6,109
EMEA		6,084		6,864		12,204		14,235		1,245		1,249
Corporate & Other		6,128		6,276		3,090		2,374		502		423

Total	$	191,068	$	184,275	$	226,882	$	217,700	$	15,836	$	15,599


	September 30, 2012					December 31, 2011
	In the Event of Death		At Annuitization			In the Event of Death		At Annuitization
	(In millions)
*Annuity Contracts* (1)
Variable Annuity Guarantees
Total contract account value (3)	$	181,936	$	86,174		$	163,845	$	72,016
Separate account value	$	141,262	$	81,711		$	121,841	$	66,739
Net amount at risk	$	11,754	$	3,895	(2)	$	16,641	$	2,686	(2)
Average attained age of contractholders		62 years		62 years			62 years		61 years

Two Tier Annuities
General account value		N/A	$	410			N/A	$	386
Net amount at risk		N/A	$	59			N/A	$	60
Average attained age of contractholders		N/A		61 years			N/A		60 years

	September 30, 2012					December 31, 2011
	Secondary Guarantees		Paid-Up Guarantees			Secondary Guarantees		Paid-Up Guarantees
	(In millions)
*Universal and Variable Life Contracts* (1)
Account value (general and separate account)	$	14,007	$	3,861		$	12,946	$	3,963
Net amount at risk	$	190,458	$	23,666		$	188,642	$	24,991
Average attained age of policyholders		54 years		59 years			53 years		59 years

(1)	The Company’s annuity and life contracts with guarantees may offer more than one type of guarantee in each contract. Therefore, the amounts listed above may not be mutually exclusive.

(2)

The Company had previously disclosed the NAR based on the excess of the benefit base over the contractholder’s total contract account value on the balance sheet date. Such amounts were $9.3 billion and $12.1 billion at September 30, 2012 and December 31, 2011, respectively. The Company has provided, in the table above, the NAR as defined above. The Company believes that this definition is more representative of the potential economic exposures of these guarantees as the contractholders do not have access to this difference other than through annuitization.

(3)	Includes amounts, which are not reported in the consolidated balance sheets, from assumed reinsurance of certain variable annuity products from the Company’s former operating joint venture in Japan.

- Definition

Tabular disclosure of the guaranteed benefits in excess of the current account balance, quantifies such excesses (the net amounts at risk) and includes other relevant, pertinent information as of the most recent balance sheet date by product type.

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