XML 152 R80.htm IDEA: XBRL DOCUMENT v3.25.4
Policy Liabilities - Schedule of Liability for Future Policy Benefit, Activity (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Total future policy benefits $ 19,169,687 $ 18,457,263 $ 19,460,353  
Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 11,757,317 12,342,307 11,748,528  
Beginning balance at original discount rates 11,638,920 11,709,368 11,442,919  
Effect of changes in assumptions on future cash flows   (283,548) (140,988) $ 64,032
Effect of actual variances from expected experience   (564,530) (598,487) (520,699)
Adjusted balance   10,790,842 10,969,893 10,986,252
Issuances 1,360,740 1,434,986 1,468,072  
Interest accrual 585,311 591,875 564,929  
Net premiums collected (1,321,195) (1,334,490) (1,314,975)  
Effect of changes in the foreign exchange rate 13,510 (23,344) 5,090  
Ending balance at original discount rates 11,429,208 11,638,920 11,709,368  
Effect of change from original to current discount rates 339,437 118,397 632,939  
Ending balance 11,768,645 11,757,317 12,342,307  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 26,334,284 27,723,158 25,749,961  
Beginning balance at original discount rates 25,091,824 24,563,696 23,564,337  
Effect of changes in assumptions on future cash flows   (416,596) (198,467) 65,568
Effect of actual variances from expected experience   (637,140) (658,110) (554,123)
Adjusted balance   24,038,088 23,707,119 23,075,782
Issuances 1,360,745 1,430,276 1,468,086  
Interest accrual 1,383,347 1,356,378 1,290,305  
Benefit payments (1,357,402) (1,344,045) (1,283,796)  
Effect of changes in the foreign exchange rate 32,864 (57,904) 13,319  
Ending balance 25,457,642 25,091,824 24,563,696  
Effect of change from original to current discount rates 1,531,203 1,242,460 3,159,462  
Ending balance 26,988,845 26,334,284 27,723,158  
Net liability for future policy benefits at original discount rates 14,028,434 13,452,904 12,854,328  
Effect of changes in discount rate assumptions 1,191,766 1,124,063 2,526,523  
Other Adjustments 186 173 9,438  
Total future policy benefits 15,220,386 14,577,140 15,390,289  
Reinsurance recoverable (8,301) (43,488) (45,708)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 15,212,085 14,533,652 15,344,581  
Policyholder benefits net of remeasurement gains (losses) 192,211 106,971 29,391  
Life | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 61,285 50,125 31,404  
Life | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 130,926 56,846 (2,013)  
Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 6,314,148 6,089,728 5,207,422  
Beginning balance at original discount rates 6,512,063 6,069,295 5,366,305  
Effect of changes in assumptions on future cash flows   591,932 14,968 390,156
Effect of actual variances from expected experience   (127,292) (149,243) (147,908)
Adjusted balance   6,976,703 5,935,020 5,608,553
Issuances 1,283,477 874,615 757,532  
Interest accrual 320,978 281,648 238,966  
Net premiums collected (635,174) (577,088) (536,179)  
Effect of changes in the foreign exchange rate 1,257 (2,132) 423  
Ending balance at original discount rates 7,947,241 6,512,063 6,069,295  
Effect of change from original to current discount rates (2,582) (197,915) 20,433  
Ending balance 7,944,659 6,314,148 6,089,728  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 8,586,253 8,441,002 7,394,349  
Beginning balance at original discount rates 9,006,730 8,484,970 7,710,767  
Effect of changes in assumptions on future cash flows   582,283 30,877 381,310
Effect of actual variances from expected experience   (149,648) (150,406) (154,411)
Adjusted balance   9,439,365 8,365,441 7,937,666
Issuances 1,281,357 873,150 756,377  
Interest accrual 435,441 393,073 346,489  
Benefit payments (679,397) (620,806) (556,440)  
Effect of changes in the foreign exchange rate 2,383 (4,128) 878  
Ending balance 10,479,149 9,006,730 8,484,970  
Effect of change from original to current discount rates (162,602) (420,477) (43,968)  
Ending balance 10,316,547 8,586,253 8,441,002  
Net liability for future policy benefits at original discount rates 2,531,908 2,494,667 2,415,675  
Effect of changes in discount rate assumptions (160,020) (222,562) (64,401)  
Other Adjustments 90,184 40,931 28,141  
Total future policy benefits 2,462,072 2,313,036 2,379,415  
Reinsurance recoverable (2,873) (3,754) (15,322)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,459,199 2,309,282 2,364,093  
Policyholder benefits net of remeasurement gains (losses) 20,093 (3,231) 11,849  
Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 16,736 7,270 6,616  
Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 3,357 (10,501) 5,233  
United American | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 3,885,530 3,697,771 2,908,501  
Beginning balance at original discount rates 3,948,855 3,625,803 2,941,262  
Effect of changes in assumptions on future cash flows   625,460 9,892 466,883
Effect of actual variances from expected experience   (30,520) (43,846) (27,178)
Adjusted balance   4,543,795 3,591,849 3,380,967
Issuances 858,558 480,412 377,097  
Interest accrual 207,580 174,269 139,824  
Net premiums collected (336,658) (297,675) (272,085)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 5,273,275 3,948,855 3,625,803  
Effect of change from original to current discount rates 56,806 (63,325) 71,968  
Ending balance 5,330,081 3,885,530 3,697,771  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 3,960,432 3,814,328 3,046,829  
Beginning balance at original discount rates 4,026,860 3,741,530 3,080,633  
Effect of changes in assumptions on future cash flows   622,917 10,680 464,652
Effect of actual variances from expected experience   (38,119) (35,532) (26,718)
Adjusted balance   4,611,658 3,716,678 3,518,567
Issuances 857,105 479,653 376,573  
Interest accrual 210,924 180,235 147,082  
Benefit payments (383,504) (349,706) (300,692)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 5,296,183 4,026,860 3,741,530  
Effect of change from original to current discount rates 49,270 (66,428) 72,798  
Ending balance 5,345,453 3,960,432 3,814,328  
Net liability for future policy benefits at original discount rates 22,908 78,005 115,727  
Effect of changes in discount rate assumptions (7,536) (3,103) 830  
Other Adjustments 63,806 24,920 10,980  
Total future policy benefits 79,178 99,822 127,537  
Reinsurance recoverable (2,144) (2,768) (3,287)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 77,034 97,054 124,250  
United American | Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 576 (4,890) (134)  
United American | Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 279 1,205 762  
Family Heritage | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 1,734,875 1,711,741 1,594,992  
Beginning balance at original discount rates 1,867,873 1,783,173 1,729,219  
Effect of changes in assumptions on future cash flows   (72,130) (8,117) (30,255)
Effect of actual variances from expected experience   (52,503) (56,720) (69,878)
Adjusted balance   1,743,240 1,718,336 1,629,086
Issuances 277,165 265,166 266,375  
Interest accrual 79,122 75,188 67,743  
Net premiums collected (203,724) (190,817) (180,031)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 1,895,803 1,867,873 1,783,173  
Effect of change from original to current discount rates (73,791) (132,998) (71,432)  
Ending balance 1,822,012 1,734,875 1,711,741  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 3,336,546 3,315,880 3,005,664  
Beginning balance at original discount rates 3,712,044 3,506,689 3,336,344  
Effect of changes in assumptions on future cash flows   (79,615) (5,054) (32,428)
Effect of actual variances from expected experience   (60,780) (63,595) (74,797)
Adjusted balance   3,571,649 3,438,040 3,229,119
Issuances 277,163 265,166 266,375  
Interest accrual 157,549 147,615 134,107  
Benefit payments (160,713) (138,777) (122,912)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 3,845,648 3,712,044 3,506,689  
Effect of change from original to current discount rates (258,740) (375,498) (190,809)  
Ending balance 3,586,908 3,336,546 3,315,880  
Net liability for future policy benefits at original discount rates 1,949,845 1,844,171 1,723,516  
Effect of changes in discount rate assumptions (184,949) (242,500) (119,377)  
Other Adjustments 122 22 84  
Total future policy benefits 1,765,018 1,601,693 1,604,223  
Reinsurance recoverable 0 0 (10,718)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 1,765,018 1,601,693 1,593,505  
Family Heritage | Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 7,821 6,756 4,638  
Family Heritage | Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 7,492 (3,063) 2,173  
American Income | Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 4,645,917 4,681,888 4,273,156  
Beginning balance at original discount rates 4,656,710 4,523,329 4,246,723  
Effect of changes in assumptions on future cash flows   (136,473) (82,348) 14,265
Effect of actual variances from expected experience   (216,259) (229,772) (155,293)
Adjusted balance   4,303,978 4,211,209 4,105,695
Issuances 730,495 798,952 733,702  
Interest accrual 225,062 220,959 200,363  
Net premiums collected (562,742) (551,066) (521,521)  
Effect of changes in the foreign exchange rate 13,510 (23,344) 5,090  
Ending balance at original discount rates 4,710,303 4,656,710 4,523,329  
Effect of change from original to current discount rates 81,850 (10,793) 158,559  
Ending balance 4,792,153 4,645,917 4,681,888  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 9,870,692 10,163,627 9,119,104  
Beginning balance at original discount rates 9,508,589 9,061,833 8,409,761  
Effect of changes in assumptions on future cash flows   (189,172) (104,498) 13,344
Effect of actual variances from expected experience   (240,487) (251,310) (164,900)
Adjusted balance   9,078,930 8,706,025 8,258,205
Issuances 730,489 794,225 733,700  
Interest accrual 514,553 492,966 452,640  
Benefit payments (451,405) (426,723) (396,031)  
Effect of changes in the foreign exchange rate 32,864 (57,904) 13,319  
Ending balance 9,905,431 9,508,589 9,061,833  
Effect of change from original to current discount rates 452,623 362,103 1,101,794  
Ending balance 10,358,054 9,870,692 10,163,627  
Net liability for future policy benefits at original discount rates 5,195,128 4,851,879 4,538,504  
Effect of changes in discount rate assumptions 370,773 372,896 943,235  
Other Adjustments 160 122 297  
Total future policy benefits 5,566,061 5,224,897 5,482,036  
Reinsurance recoverable (184) (167) (141)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 5,565,877 5,224,730 5,481,895  
American Income | Life | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 22,903 19,606 9,430  
American Income | Life | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 52,731 21,974 308  
American Income | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 223,247 206,381 190,296  
Beginning balance at original discount rates 225,141 201,869 192,631  
Effect of changes in assumptions on future cash flows   12,588 12,207 (6,061)
Effect of actual variances from expected experience   (17,214) (16,088) (11,152)
Adjusted balance   220,515 197,988 175,418
Issuances 39,969 44,350 39,825  
Interest accrual 10,912 9,787 8,528  
Net premiums collected (27,353) (24,852) (22,325)  
Effect of changes in the foreign exchange rate 1,257 (2,132) 423  
Ending balance at original discount rates 245,300 225,141 201,869  
Effect of change from original to current discount rates 3,100 (1,894) 4,512  
Ending balance 248,400 223,247 206,381  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 355,303 335,504 312,750  
Beginning balance at original discount rates 348,711 315,431 303,713  
Effect of changes in assumptions on future cash flows   16,611 20,293 (6,407)
Effect of actual variances from expected experience   (21,464) (18,601) (12,661)
Adjusted balance   343,858 317,123 284,645
Issuances 39,967 44,353 39,825  
Interest accrual 18,370 16,577 15,070  
Benefit payments (24,496) (25,214) (24,987)  
Effect of changes in the foreign exchange rate 2,383 (4,128) 878  
Ending balance 380,082 348,711 315,431  
Effect of change from original to current discount rates 13,517 6,592 20,073  
Ending balance 393,599 355,303 335,504  
Net liability for future policy benefits at original discount rates 134,782 123,570 113,562  
Effect of changes in discount rate assumptions 10,417 8,486 15,561  
Other Adjustments 766 814 857  
Total future policy benefits 145,965 132,870 129,980  
Reinsurance recoverable 0 0 0  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 145,965 132,870 129,980  
American Income | Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 4,186 2,742 1,461  
American Income | Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) (4,094) (8,036) 119  
DTC | Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 5,622,906 6,052,651 5,910,224  
Beginning balance at original discount rates 5,504,912 5,664,259 5,680,864  
Effect of changes in assumptions on future cash flows   (89,711) (28,366) 36,170
Effect of actual variances from expected experience   (292,327) (311,659) (306,004)
Adjusted balance   5,122,874 5,324,234 5,411,030
Issuances 496,861 491,440 579,363  
Interest accrual 285,411 292,843 287,615  
Net premiums collected (584,033) (603,605) (613,749)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 5,321,113 5,504,912 5,664,259  
Effect of change from original to current discount rates 221,503 117,994 388,392  
Ending balance 5,542,616 5,622,906 6,052,651  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 9,125,112 9,714,516 9,225,451  
Beginning balance at original discount rates 8,660,948 8,656,752 8,477,892  
Effect of changes in assumptions on future cash flows   (129,189) (50,106) 34,407
Effect of actual variances from expected experience   (319,650) (335,087) (318,687)
Adjusted balance   8,212,109 8,271,559 8,193,612
Issuances 496,856 491,437 579,365  
Interest accrual 476,278 474,451 458,587  
Benefit payments (568,314) (576,499) (574,812)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 8,616,929 8,660,948 8,656,752  
Effect of change from original to current discount rates 588,687 464,164 1,057,764  
Ending balance 9,205,616 9,125,112 9,714,516  
Net liability for future policy benefits at original discount rates 3,295,816 3,156,036 2,992,493  
Effect of changes in discount rate assumptions 367,184 346,170 669,372  
Other Adjustments 0 18 3,315  
Total future policy benefits 3,663,000 3,502,224 3,665,180  
Reinsurance recoverable 0 0 0  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,663,000 3,502,224 3,665,180  
DTC | Life | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 25,121 21,681 12,201  
DTC | Life | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 39,480 21,744 1,763  
DTC | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 133,377 115,363 90,143  
Beginning balance at original discount rates 131,919 109,880 87,751  
Effect of changes in assumptions on future cash flows   25,985 4,449 16,553
Effect of actual variances from expected experience   (1,304) (2,937) (2,850)
Adjusted balance   156,600 111,392 101,454
Issuances 51,254 26,149 14,467  
Interest accrual 7,481 5,838 4,616  
Net premiums collected (13,886) (11,460) (10,657)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 201,449 131,919 109,880  
Effect of change from original to current discount rates 5,874 1,458 5,483  
Ending balance 207,323 133,377 115,363  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 129,277 109,482 87,532  
Beginning balance at original discount rates 127,975 104,501 85,212  
Effect of changes in assumptions on future cash flows   22,160 7,733 15,930
Effect of actual variances from expected experience   (1,653) (2,420) (3,325)
Adjusted balance   148,482 109,814 97,817
Issuances 51,187 26,116 14,446  
Interest accrual 7,481 5,837 4,616  
Benefit payments (15,878) (13,792) (12,378)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 191,272 127,975 104,501  
Effect of change from original to current discount rates 5,460 1,302 4,981  
Ending balance 196,732 129,277 109,482  
Net liability for future policy benefits at original discount rates (10,177) (3,944) (5,379)  
Effect of changes in discount rate assumptions (414) (156) (502)  
Other Adjustments 11,216 4,865 6,653  
Total future policy benefits 625 765 772  
Reinsurance recoverable 0 0 0  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 625 765 772  
DTC | Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 106 22 23  
DTC | Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 19 (373) 8  
Liberty National | Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 1,048,447 1,129,716 1,094,407  
Beginning balance at original discount rates 1,047,022 1,077,831 1,066,123  
Effect of changes in assumptions on future cash flows   (52,204) (29,292) 5,178
Effect of actual variances from expected experience   (37,586) (42,620) (40,961)
Adjusted balance   957,232 1,005,919 1,030,340
Issuances 110,014 120,683 127,048  
Interest accrual 52,794 55,198 54,147  
Net premiums collected (131,197) (134,778) (133,704)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 988,843 1,047,022 1,077,831  
Effect of change from original to current discount rates 19,695 1,425 51,885  
Ending balance 1,008,538 1,048,447 1,129,716  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 3,377,517 3,605,392 3,429,256  
Beginning balance at original discount rates 3,340,219 3,338,252 3,272,980  
Effect of changes in assumptions on future cash flows   (89,154) (41,836) 6,156
Effect of actual variances from expected experience   (49,507) (50,759) (46,341)
Adjusted balance   3,201,558 3,245,657 3,232,795
Issuances 110,030 120,702 127,062  
Interest accrual 177,656 178,617 174,995  
Benefit payments (197,354) (204,757) (196,600)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 3,291,890 3,340,219 3,338,252  
Effect of change from original to current discount rates 79,285 37,298 267,140  
Ending balance 3,371,175 3,377,517 3,605,392  
Net liability for future policy benefits at original discount rates 2,303,047 2,293,197 2,260,421  
Effect of changes in discount rate assumptions 59,590 35,873 215,255  
Other Adjustments 0 0 5,764  
Total future policy benefits 2,362,637 2,329,070 2,481,440  
Reinsurance recoverable (8,103) (7,953) (7,719)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,354,534 2,321,117 2,473,721  
Liberty National | Life | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 6,327 3,966 5,013  
Liberty National | Life | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 35,068 12,224 (1,248)  
Liberty National | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 337,119 358,472 423,490  
Beginning balance at original discount rates 338,275 348,570 415,442  
Effect of changes in assumptions on future cash flows   29 (3,463) (56,964)
Effect of actual variances from expected experience   (25,751) (29,652) (36,850)
Adjusted balance   312,553 315,455 321,628
Issuances 56,531 58,538 59,768  
Interest accrual 15,883 16,566 18,255  
Net premiums collected (53,553) (52,284) (51,081)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 331,414 338,275 348,570  
Effect of change from original to current discount rates 5,429 (1,156) 9,902  
Ending balance 336,843 337,119 358,472  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 804,695 865,808 941,574  
Beginning balance at original discount rates 791,140 816,819 904,865  
Effect of changes in assumptions on future cash flows   210 (2,775) (60,437)
Effect of actual variances from expected experience   (27,632) (30,258) (36,910)
Adjusted balance   763,718 783,786 807,518
Issuances 55,935 57,862 59,158  
Interest accrual 41,117 42,809 45,614  
Benefit payments (94,806) (93,317) (95,471)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 765,964 791,140 816,819  
Effect of change from original to current discount rates 27,891 13,555 48,989  
Ending balance 793,855 804,695 865,808  
Net liability for future policy benefits at original discount rates 434,550 452,865 468,249  
Effect of changes in discount rate assumptions 22,462 14,711 39,087  
Other Adjustments 14,274 10,310 9,567  
Total future policy benefits 471,286 477,886 516,903  
Reinsurance recoverable (729) (986) (1,317)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 470,557 476,900 515,586  
Liberty National | Health | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 4,047 2,640 628  
Liberty National | Health | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) (339) (234) 2,171  
Other | Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 440,047 478,052 470,741  
Beginning balance at original discount rates 430,276 443,949 449,209  
Effect of changes in assumptions on future cash flows   (5,160) (982) 8,419
Effect of actual variances from expected experience   (18,358) (14,436) (18,441)
Adjusted balance   406,758 428,531 439,187
Issuances 23,370 23,911 27,959  
Interest accrual 22,044 22,875 22,804  
Net premiums collected (43,223) (45,041) (46,001)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance at original discount rates 408,949 430,276 443,949  
Effect of change from original to current discount rates 16,389 9,771 34,103  
Ending balance 425,338 440,047 478,052  
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Beginning balance 3,960,963 4,239,623 3,976,150  
Beginning balance at original discount rates 3,582,068 3,506,859 3,403,704  
Effect of changes in assumptions on future cash flows   (9,081) (2,027) 11,661
Effect of actual variances from expected experience   (27,496) (20,954) (24,195)
Adjusted balance   3,545,491 3,483,878 $ 3,391,170
Issuances 23,370 23,912 27,959  
Interest accrual 214,860 210,344 204,083  
Benefit payments (140,329) (136,066) (116,353)  
Effect of changes in the foreign exchange rate 0 0 0  
Ending balance 3,643,392 3,582,068 3,506,859  
Effect of change from original to current discount rates 410,608 378,895 732,764  
Ending balance 4,054,000 3,960,963 4,239,623  
Net liability for future policy benefits at original discount rates 3,234,443 3,151,792 3,062,910  
Effect of changes in discount rate assumptions 394,219 369,124 698,661  
Other Adjustments 26 33 62  
Total future policy benefits 3,628,688 3,520,949 3,761,633  
Reinsurance recoverable (14) (35,368) (37,848)  
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,628,674 3,485,581 3,723,785  
Other | Life | Gain Loss From Expereince        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) 6,934 4,872 4,760  
Other | Life | Gain (Loss) From Unlocking Assumptions        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Policyholder benefits net of remeasurement gains (losses) $ 3,647 $ 904 $ (2,836)