XML 74 R56.htm IDEA: XBRL DOCUMENT v3.24.2.u1
Policy Liabilities - Schedule of Liability for Future Policy Benefit, Activity (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Net liability for future policy benefits—long duration health $ 18,430,672 $ 18,806,051 $ 18,430,672 $ 18,806,051   $ 19,460,353    
Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 12,164,308 12,189,326 12,342,307 11,748,528        
Beginning balance 11,810,065 11,564,309 11,709,368 11,442,919        
Effect of changes in assumptions on future cash flows         $ 0 0 $ 0 $ 0
Effect of actual variances from expected experience         (164,484) (261,259) (134,755) (220,197)
Adjusted balance         11,645,581 11,448,109 11,429,554 11,222,722
Issuances 378,945 366,338 772,116 765,228        
Interest accrual 148,953 139,465 295,799 277,309        
Net premiums collected (336,592) (328,683) (670,210) (654,586)        
Effect of changes in the foreign exchange rate (295) 9,769 (9,222) 5,770        
Ending balance 11,836,592 11,616,443 11,836,592 11,616,443        
Effect of change from original to current discount rates 144,945 426,277 144,945 426,277        
Ending balance 11,981,537 12,042,720 11,981,537 12,042,720        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 27,061,942 26,987,682 27,723,158 25,749,961        
Beginning balance 24,812,962 23,849,467 24,563,696 23,564,337        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (179,490) (281,470) (133,457) (223,880)
Adjusted balance         24,633,472 24,282,226 23,716,010 23,340,457
Issuances 378,949 366,339 772,121 765,229        
Interest accrual 339,105 319,447 673,920 635,178        
Benefit payments (346,281) (333,249) (702,386) (662,606)        
Effect of changes in the foreign exchange rate (965) 24,148 (21,601) 14,437        
Ending balance 25,004,280 24,092,695 25,004,280 24,092,695        
Effect of changes in discount rate assumptions 1,503,627 2,680,296 1,503,627 2,680,296        
Ending balance 26,507,907 26,772,991 26,507,907 26,772,991        
Net liability for future policy benefits at original discount rates 13,167,688 12,476,252 13,167,688 12,476,252        
Effect of changes in discount rate assumptions 1,358,682 2,254,019 1,358,682 2,254,019        
Other Adjustments 228 12,496 228 12,496        
Net liability for future policy benefits—long duration health 14,526,598 14,742,767 14,526,598 14,742,767        
Reinsurance recoverable (43,403) (44,195) (43,403) (44,195)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 14,483,195 14,698,572 14,483,195 14,698,572        
Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 6,010,536 5,374,493 6,089,728 5,207,422        
Beginning balance 6,120,118 5,387,168 6,069,295 5,366,304        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (24,146) (99,049) (24,625) (98,294)
Adjusted balance         6,095,972 5,970,246 5,362,543 5,268,010
Issuances 183,579 159,720 380,310 329,255        
Interest accrual 69,293 56,822 137,096 112,591        
Net premiums collected (143,983) (134,265) (281,929) (264,648)        
Effect of changes in the foreign exchange rate 23 775 (839) 387        
Ending balance 6,204,884 5,445,595 6,204,884 5,445,595        
Effect of change from original to current discount rates (197,090) (98,952) (197,090) (98,952)        
Ending balance 6,007,794 5,346,643 6,007,794 5,346,643        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 8,298,702 7,670,753 8,441,002 7,394,349        
Beginning balance 8,548,000 7,748,360 8,484,970 7,710,767        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (25,095) (103,613) (28,000) (99,098)
Adjusted balance         8,522,905 8,381,357 7,720,360 7,611,669
Issuances 182,986 159,291 379,321 328,646        
Interest accrual 96,978 83,611 192,222 165,945        
Benefit payments (144,871) (132,756) (293,354) (275,047)        
Effect of changes in the foreign exchange rate (8) 1,583 (1,556) 876        
Ending balance 8,657,990 7,832,089 8,657,990 7,832,089        
Effect of changes in discount rate assumptions (397,206) (210,656) (397,206) (210,656)        
Ending balance 8,260,784 7,621,433 8,260,784 7,621,433        
Net liability for future policy benefits at original discount rates 2,453,106 2,386,494 2,453,106 2,386,494        
Effect of changes in discount rate assumptions (200,116) (111,704) (200,116) (111,704)        
Other Adjustments 31,138 16,070 31,138 16,070        
Net liability for future policy benefits—long duration health 2,284,128 2,290,860 2,284,128 2,290,860        
Reinsurance recoverable (14,489) (14,842) (14,489) (14,842)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,269,639 2,276,018 2,269,639 2,276,018        
American Income | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 4,652,671 4,467,637 4,681,888 4,273,156        
Beginning balance 4,596,138 4,325,957 4,523,329 4,246,723        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (65,450) (113,699) (39,371) (69,352)
Adjusted balance         4,530,688 4,409,630 4,286,586 4,177,371
Issuances 200,853 183,466 412,701 376,021        
Interest accrual 55,345 48,952 109,168 96,850        
Net premiums collected (138,480) (129,720) (274,166) (256,959)        
Effect of changes in the foreign exchange rate (295) 9,769 (9,222) 5,770        
Ending balance 4,648,111 4,399,053 4,648,111 4,399,053        
Effect of change from original to current discount rates (12,208) 73,794 (12,208) 73,794        
Ending balance 4,635,903 4,472,847 4,635,903 4,472,847        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 9,958,093 9,637,463 10,163,627 9,119,104        
Beginning balance 9,216,265 8,573,734 9,061,833 8,409,761        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (69,724) (121,945) (40,862) (72,388)
Adjusted balance         9,146,541 8,939,888 8,532,872 8,337,373
Issuances 200,858 183,466 412,703 376,021        
Interest accrual 122,894 111,337 243,096 220,666        
Benefit payments (115,802) (98,297) (220,560) (194,971)        
Effect of changes in the foreign exchange rate (965) 24,148 (21,601) 14,437        
Ending balance 9,353,526 8,753,526 9,353,526 8,753,526        
Effect of changes in discount rate assumptions 457,881 914,681 457,881 914,681        
Ending balance 9,811,407 9,668,207 9,811,407 9,668,207        
Net liability for future policy benefits at original discount rates 4,705,415 4,354,473 4,705,415 4,354,473        
Effect of changes in discount rate assumptions 470,089 840,887 470,089 840,887        
Other Adjustments 194 72 194 72        
Net liability for future policy benefits—long duration health 5,175,698 5,195,432 5,175,698 5,195,432        
Reinsurance recoverable (170) (142) (170) (142)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 5,175,528 5,195,290 5,175,528 5,195,290        
American Income | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 203,795 200,666 206,381 190,296        
Beginning balance 203,850 197,446 201,869 192,631        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (3,508) (7,058) (3,629) (5,249)
Adjusted balance         200,342 194,811 193,817 187,382
Issuances 12,174 10,575 22,124 20,787        
Interest accrual 2,360 2,098 4,642 4,134        
Net premiums collected (6,032) (5,556) (11,871) (10,981)        
Effect of changes in the foreign exchange rate 23 775 (839) 387        
Ending balance 208,867 201,709 208,867 201,709        
Effect of change from original to current discount rates (2,978) 135 (2,978) 135        
Ending balance 205,889 201,844 205,889 201,844        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 328,783 326,533 335,504 312,750        
Beginning balance 317,365 308,170 315,431 303,713        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (4,177) (8,179) (4,439) (6,018)
Adjusted balance         313,188 307,252 303,731 297,695
Issuances 12,177 10,575 22,126 20,787        
Interest accrual 4,019 3,721 7,956 7,389        
Benefit payments (6,670) (4,523) (13,072) (11,660)        
Effect of changes in the foreign exchange rate (8) 1,583 (1,556) 876        
Ending balance 322,706 315,087 322,706 315,087        
Effect of changes in discount rate assumptions 5,730 13,492 5,730 13,492        
Ending balance 328,436 328,579 328,436 328,579        
Net liability for future policy benefits at original discount rates 113,839 113,378 113,839 113,378        
Effect of changes in discount rate assumptions 8,708 13,357 8,708 13,357        
Other Adjustments 933 605 933 605        
Net liability for future policy benefits—long duration health 123,480 127,340 123,480 127,340        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 123,480 127,340 123,480 127,340        
Direct to Consumer | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 5,945,259 6,110,550 6,052,651 5,910,224        
Beginning balance 5,698,050 5,718,900 5,664,259 5,680,864        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (86,743) (122,971) (80,616) (128,602)
Adjusted balance         5,611,307 5,541,288 5,638,284 5,552,262
Issuances 137,809 144,796 287,040 313,748        
Interest accrual 73,931 71,484 147,351 142,473        
Net premiums collected (152,759) (154,210) (305,391) (308,129)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 5,670,288 5,700,354 5,670,288 5,700,354        
Effect of change from original to current discount rates 140,230 288,223 140,230 288,223        
Ending balance 5,810,518 5,988,577 5,810,518 5,988,577        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 9,500,215 9,624,680 9,714,516 9,225,451        
Beginning balance 8,728,403 8,563,604 8,656,752 8,477,892        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (93,532) (129,976) (81,059) (130,006)
Adjusted balance         8,634,871 8,526,776 8,482,545 8,347,886
Issuances 137,810 144,797 287,041 313,749        
Interest accrual 119,052 113,893 236,977 226,661        
Benefit payments (142,833) (148,338) (301,894) (295,399)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 8,748,900 8,592,897 8,748,900 8,592,897        
Effect of changes in discount rate assumptions 540,934 894,336 540,934 894,336        
Ending balance 9,289,834 9,487,233 9,289,834 9,487,233        
Net liability for future policy benefits at original discount rates 3,078,612 2,892,543 3,078,612 2,892,543        
Effect of changes in discount rate assumptions 400,704 606,113 400,704 606,113        
Other Adjustments 0 4,750 0 4,750        
Net liability for future policy benefits—long duration health 3,479,316 3,503,406 3,479,316 3,503,406        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,479,316 3,503,406 3,479,316 3,503,406        
Direct to Consumer | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 113,879 90,243 115,363 90,143        
Beginning balance 110,863 85,966 109,880 87,751        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (144) (2,462) 679 (1,895)
Adjusted balance         110,719 107,418 86,645 85,856
Issuances 3,893 1,823 8,503 4,215        
Interest accrual 1,392 1,061 2,760 2,118        
Net premiums collected (2,757) (2,689) (5,434) (5,349)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 113,247 86,840 113,247 86,840        
Effect of change from original to current discount rates 1,629 2,834 1,629 2,834        
Ending balance 114,876 89,674 114,876 89,674        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 107,775 87,090 109,482 87,532        
Beginning balance 105,050 83,001 104,501 85,212        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (5) (2,326) 472 (1,830)
Adjusted balance         105,045 102,175 83,473 83,382
Issuances 3,887 1,820 8,485 4,208        
Interest accrual 1,392 1,061 2,760 2,118        
Benefit payments (3,181) (3,166) (6,277) (6,520)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 107,143 83,188 107,143 83,188        
Effect of changes in discount rate assumptions 1,474 2,668 1,474 2,668        
Ending balance 108,617 85,856 108,617 85,856        
Net liability for future policy benefits at original discount rates (6,104) (3,652) (6,104) (3,652)        
Effect of changes in discount rate assumptions (155) (166) (155) (166)        
Other Adjustments 6,952 4,645 6,952 4,645        
Net liability for future policy benefits—long duration health 693 827 693 827        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 693 827 693 827        
Liberty National | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 1,102,209 1,128,083 1,129,716 1,094,407        
Beginning balance 1,073,485 1,070,775 1,077,831 1,066,123        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (6,820) (17,268) (10,004) (15,593)
Adjusted balance         1,066,665 1,060,563 1,060,771 1,050,530
Issuances 34,056 30,706 60,219 60,848        
Interest accrual 13,936 13,368 27,775 26,655        
Net premiums collected (34,015) (33,284) (67,915) (66,472)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 1,080,642 1,071,561 1,080,642 1,071,561        
Effect of change from original to current discount rates 4,591 38,456 4,591 38,456        
Ending balance 1,085,233 1,110,017 1,085,233 1,110,017        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 3,499,742 3,559,012 3,605,392 3,429,256        
Beginning balance 3,340,412 3,284,594 3,338,252 3,272,980        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (8,889) (19,337) (6,065) (13,119)
Adjusted balance         3,331,523 3,318,915 3,278,529 3,259,861
Issuances 34,057 30,706 60,221 60,848        
Interest accrual 44,723 43,466 89,276 86,722        
Benefit payments (53,772) (54,920) (111,881) (109,650)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,356,531 3,297,781 3,356,531 3,297,781        
Effect of changes in discount rate assumptions 68,237 210,064 68,237 210,064        
Ending balance 3,424,768 3,507,845 3,424,768 3,507,845        
Net liability for future policy benefits at original discount rates 2,275,889 2,226,220 2,275,889 2,226,220        
Effect of changes in discount rate assumptions 63,646 171,608 63,646 171,608        
Other Adjustments 0 7,639 0 7,639        
Net liability for future policy benefits—long duration health 2,339,535 2,405,467 2,339,535 2,405,467        
Reinsurance recoverable (7,830) (7,581) (7,830) (7,581)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,331,705 2,397,886 2,331,705 2,397,886        
Liberty National | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 345,441 421,447 358,472 423,490        
Beginning balance 342,165 404,647 348,570 415,442        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (9,755) (21,165) (11,249) (27,833)
Adjusted balance         332,410 327,405 393,398 387,609
Issuances 15,457 14,888 29,015 28,191        
Interest accrual 4,119 4,776 8,347 9,666        
Net premiums collected (13,052) (12,882) (25,833) (25,286)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 338,934 400,180 338,934 400,180        
Effect of change from original to current discount rates (1,193) 9,371 (1,193) 9,371        
Ending balance 337,741 409,551 337,741 409,551        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 834,006 949,996 865,808 941,574        
Beginning balance 804,316 890,019 816,819 904,865        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (8,603) (21,424) (11,023) (27,018)
Adjusted balance         795,713 795,395 878,996 877,847
Issuances 15,255 14,616 28,604 27,901        
Interest accrual 10,716 11,686 21,549 23,526        
Benefit payments (22,368) (24,419) (46,232) (48,395)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 799,316 880,879 799,316 880,879        
Effect of changes in discount rate assumptions 16,462 42,269 16,462 42,269        
Ending balance 815,778 923,148 815,778 923,148        
Net liability for future policy benefits at original discount rates 460,382 480,699 460,382 480,699        
Effect of changes in discount rate assumptions 17,655 32,898 17,655 32,898        
Other Adjustments 9,169 6,049 9,169 6,049        
Net liability for future policy benefits—long duration health 487,206 519,646 487,206 519,646        
Reinsurance recoverable (1,114) (1,378) (1,114) (1,378)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 486,092 518,268 486,092 518,268        
Other premium | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 464,169 483,056 478,052 470,741        
Beginning balance 442,392 448,677 443,949 449,209        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (5,471) (7,321) (4,764) (6,650)
Adjusted balance         436,921 436,628 443,913 442,559
Issuances 6,227 7,370 12,156 14,611        
Interest accrual 5,741 5,661 11,505 11,331        
Net premiums collected (11,338) (11,469) (22,738) (23,026)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 437,551 445,475 437,551 445,475        
Effect of change from original to current discount rates 12,332 25,804 12,332 25,804        
Ending balance 449,883 471,279 449,883 471,279        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 4,103,892 4,166,527 4,239,623 3,976,150        
Beginning balance 3,527,882 3,427,535 3,506,859 3,403,704        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (7,345) (10,212) (5,471) (8,367)
Adjusted balance         3,520,537 3,496,647 3,422,064 3,395,337
Issuances 6,224 7,370 12,156 14,611        
Interest accrual 52,436 50,751 104,571 101,129        
Benefit payments (33,874) (31,694) (68,051) (62,586)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,545,323 3,448,491 3,545,323 3,448,491        
Effect of changes in discount rate assumptions 436,575 661,215 436,575 661,215        
Ending balance 3,981,898 4,109,706 3,981,898 4,109,706        
Net liability for future policy benefits at original discount rates 3,107,772 3,003,016 3,107,772 3,003,016        
Effect of changes in discount rate assumptions 424,243 635,411 424,243 635,411        
Other Adjustments 34 35 34 35        
Net liability for future policy benefits—long duration health 3,532,049 3,638,462 3,532,049 3,638,462        
Reinsurance recoverable (35,403) (36,472) (35,403) (36,472)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,496,646 3,601,990 3,496,646 3,601,990        
United American | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 3,653,395 2,997,723 3,697,771 2,908,501        
Beginning balance 3,661,448 2,948,641 3,625,803 2,941,261        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         3,458 (37,074) 5,210 (28,923)
Adjusted balance         3,664,906 3,588,729 2,953,851 2,912,338
Issuances 87,190 67,875 191,794 143,716        
Interest accrual 42,808 32,267 84,630 63,854        
Net premiums collected (74,796) (68,333) (145,045) (134,248)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,720,108 2,985,660 3,720,108 2,985,660        
Effect of change from original to current discount rates (61,617) (1,106) (61,617) (1,106)        
Ending balance 3,658,491 2,984,554 3,658,491 2,984,554        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 3,756,534 3,132,462 3,814,328 3,046,829        
Beginning balance 3,766,995 3,079,790 3,741,530 3,080,633        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         3,641 (36,684) 3,503 (27,940)
Adjusted balance         3,770,636 3,704,846 3,083,293 3,052,693
Issuances 86,801 67,721 191,231 143,404        
Interest accrual 44,334 34,112 87,778 67,592        
Benefit payments (78,261) (68,358) (160,345) (146,921)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,823,510 3,116,768 3,823,510 3,116,768        
Effect of changes in discount rate assumptions (65,023) (379) (65,023) (379)        
Ending balance 3,758,487 3,116,389 3,758,487 3,116,389        
Net liability for future policy benefits at original discount rates 103,402 131,108 103,402 131,108        
Effect of changes in discount rate assumptions (3,406) 727 (3,406) 727        
Other Adjustments 14,032 4,702 14,032 4,702        
Net liability for future policy benefits—long duration health 114,028 136,537 114,028 136,537        
Reinsurance recoverable (2,905) (3,598) (2,905) (3,598)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 111,123 132,939 111,123 132,939        
Family Heritage | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 1,694,026 1,664,414 1,711,741 1,594,992        
Beginning balance 1,801,792 1,750,468 1,783,173 1,729,219        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (14,197) (31,290) (15,636) (34,394)
Adjusted balance         1,787,595 1,751,883 1,734,832 1,694,825
Issuances 64,865 64,559 128,874 132,346        
Interest accrual 18,614 16,620 36,717 32,819        
Net premiums collected (47,346) (44,805) (93,746) (88,784)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 1,823,728 1,771,206 1,823,728 1,771,206        
Effect of change from original to current discount rates (132,931) (110,186) (132,931) (110,186)        
Ending balance 1,690,797 1,661,020 1,690,797 1,661,020        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 3,271,604 3,174,672 3,315,880 3,005,664        
Beginning balance 3,554,274 3,387,380 3,506,689 3,336,344        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (15,951) (35,000) (16,513) (36,292)
Adjusted balance         $ 3,538,323 $ 3,471,689 $ 3,370,867 $ 3,300,052
Issuances 64,866 64,559 128,875 132,346        
Interest accrual 36,517 33,031 72,179 65,320        
Benefit payments (34,391) (32,290) (67,428) (61,551)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,605,315 3,436,167 3,605,315 3,436,167        
Effect of changes in discount rate assumptions (355,849) (268,706) (355,849) (268,706)        
Ending balance 3,249,466 3,167,461 3,249,466 3,167,461        
Net liability for future policy benefits at original discount rates 1,781,587 1,664,961 1,781,587 1,664,961        
Effect of changes in discount rate assumptions (222,918) (158,520) (222,918) (158,520)        
Other Adjustments 52 69 52 69        
Net liability for future policy benefits—long duration health 1,558,721 1,506,510 1,558,721 1,506,510        
Reinsurance recoverable (10,470) (9,866) (10,470) (9,866)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates $ 1,548,251 $ 1,496,644 $ 1,548,251 $ 1,496,644