INSURANCE CLAIMS (Tables)

12 Months Ended

Dec. 31, 2018

Disclosure of claims and benefits paid [text block] [Abstract]

Disclosure of Insurance Claims [Text Block]

Insurance claims comprise:	2018 £m			2017 £m			2016 £m
Life insurance and participating investment contracts
Claims and surrenders		(8,735	)		(8,898	)		(8,617	)
Change in insurance and participating investment contracts (note 31)		4,565			(9,067	)		(14,160	)
Change in non-participating investment contracts		628			2,836			679
		(3,542	)		(15,129	)		(22,098	)
Reinsurers’ share		404			35			106
		(3,138	)		(15,094	)		(21,992	)
Change in unallocated surplus		8			(147	)		14
Total life insurance and participating investment contracts		(3,130	)		(15,241	)		(21,978	)
Non-life insurance
Total non-life insurance claims, net of reinsurance		(335	)		(337	)		(366	)
Total insurance claims		(3,465	)		(15,578	)		(22,344	)
Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows:
Deaths		(721	)		(675	)		(635	)
Maturities		(1,198	)		(1,280	)		(1,347	)
Surrenders		(5,548	)		(5,674	)		(5,444	)
Annuities		(1,032	)		(985	)		(949	)
Other		(236	)		(284	)		(242	)
Total life insurance gross claims and surrenders		(8,735	)		(8,898	)		(8,617	)