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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 3) (USD $)
12 Months Ended
Dec. 31, 2011
Y
Dec. 31, 2010
Dec. 31, 2009
Other assets      
Prepaid commitment fee asset amortization period (in years) 5    
Unamortized prepaid commitment fee asset   $ 3,600,000,000  
Deferred bonus interest and deferred sales inducement assets 803,000,000 915,000,000  
Amortization expense associated with deferred bonus interest and deferred sales inducement assets 239,000,000 146,000,000 123,000,000
Real estate and other fixed assets      
Accumulated depreciation, real estate and other fixed assets $ 3,800,000,000 $ 3,600,000,000  
Buildings
     
Real estate and other fixed assets      
Maximum estimated useful life (in years) 40    
Furniture and equipment
     
Real estate and other fixed assets      
Maximum estimated useful life (in years) 10    
Software Development
     
Real estate and other fixed assets      
Maximum estimated useful life (in years) 5