REINSURANCE (Tables)

9 Months Ended

Sep. 30, 2025

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.

	Three Months Ended September 30,						Nine Months Ended September 30,
(In millions)	2025			2024			2025			2024
Earned premiums:
Direct		$	3,413		$	3,360		$	10,371		$	10,194
Ceded		(92)			(71)			(271)			(206)
Assumed		51			39			123			121
Net earned premiums		$	3,372		$	3,328		$	10,223		$	10,109
Benefits and claims, excluding reserve remeasurement:
Direct		$	2,051		$	2,024		$	6,179		$	6,101
Ceded		(57)			(36)			(177)			(104)
Assumed		22			15			47			45
Benefits and claims, excluding reserve remeasurement		2,016			2,003			6,049			6,042
Reserve remeasurement (gains) losses:
Direct		(570)			(407)			(648)			(515)
Ceded		(10)			(1)			(10)			0
Reserve remeasurement (gains) losses		(580)			(408)			(658)			(515)
Total benefits and claims, net		$	1,436		$	1,595		$	5,391		$	5,527