SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details - Other Assets and PPE) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other assets
Deferred bonus interest and deferred sales inducement assets	$ 845	$ 629
Amortization expense associated with deferred bonus interest and deferred sales inducement assets	$ 88	$ 63	$ 102
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful life	40 years
Furniture and equipment | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful life	10 years
Software Development | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful life	5 years