VOBA And Other Intangible Assets

12 Months Ended

Dec. 31, 2015

Finite-Lived Intangible Assets, Net [Abstract]

VOBA And Other Intangible Assets

VOBA and Other Intangible Assets

Information about VOBA is as follows:

	For the Years Ended December 31,
	2015			2014			2013
Beginning balance	$	45,462		$	53,549		$	62,109
Additions	4,134			—			—
Amortization, net of interest accrued	(8,314		)	(7,978		)	(8,442		)
Foreign currency translation and other	(128		)	(109		)	(118		)
Ending balance	$	41,154		$	45,462		$	53,549

As of December 31, 2015, the entire outstanding balance of VOBA is from the Assurant Solutions segment with the majority related to the preneed life insurance business. VOBA in the preneed life insurance business assumes an interest rate ranging from 5.4% to 7.5%.

At December 31, 2015 the estimated amortization of VOBA for the next five years and thereafter is as follows:

Year	Amount
2016	$	9,066
2017	7,820
2018	7,021
2019	6,645
2020	6,289
Thereafter	4,313
Total	$	41,154

Information about other intangible assets is as follows:

	As of December 31,
	2015							2014
	Carrying Value		Accumulated Amortization			Net Other Intangible Assets		Carrying Value		Accumulated Amortization			Net Other Intangible Assets
Contract based intangibles	$	47,134	$	(30,820	)	$	16,314	$	63,538	$	(36,221	)	$	27,317
Customer related intangibles	438,737		(212,542		)	226,195		520,894		(212,326		)	308,568
Marketing related intangibles	41,386		(20,977		)	20,409		41,861		(15,686		)	26,175
Technology based intangibles	25,235		(10,990		)	14,245		25,235		(5,335		)	19,900
Total	$	552,492	$	(275,329	)	$	277,163	$	651,528	$	(269,568	)	$	381,960

Other intangible assets amortization for 2015, 2014 and 2013 amounted to $71,664, $63,924 and $44,671, respectively.

Other intangible assets that have finite lives, including customer relationships, customer contracts and other intangible assets, are amortized over their useful lives. The estimated amortization of other intangible assets are as follows:

Year	Amount
2016	$	67,079
2017	59,782
2018	47,081
2019	30,837
2020	26,276
Thereafter	46,108
Total other intangible assets with finite lives	$	277,163