REINSURANCE (Tables)

12 Months Ended

Dec. 31, 2024

Reinsurance Disclosures [Abstract]

Effects of Reinsurance

The following table reconciles direct earned premiums, direct benefits and claims, excluding reserve remeasurement gains and losses, and reserve remeasurement gains and losses to net amounts after the effect of reinsurance for the years ended December 31.

(In millions)	2024			2023			2022
Earned premiums:
Direct		$	13,562		$	14,318		$	15,025
Ceded		(284)			(404)			(419)
Assumed		162			209			295
Net earned premiums		$	13,440		$	14,123		$	14,901
Benefits and claims, excluding reserve remeasurement:
Direct		$	8,098		$	8,599		$	9,171
Ceded		(153)			(147)			(322)
Assumed		63			142			253
Benefits and claims, excluding reserve remeasurement		$	8,008		$	8,594		$	9,102
Reserve remeasurement (gains) losses:
Direct		$	(558)		$	(394)		$	(196)
Ceded		0			11			(19)
Reserve remeasurement (gains) losses		$	(558)		$	(383)		$	(215)
Total benefits and claims, net		$	7,450		$	8,211		$	8,887