Supplementary Insurance Information, for Insurance Companies Disclosure

12 Months Ended

Dec. 31, 2015

Notes

Supplementary Insurance Information, for Insurance Companies Disclosure

SCHEDULE III
INDEPENDENCE HOLDING COMPANY
SUPPLEMENTARY INSURANCE INFORMATION
(in thousands)
			FUTURE
			POLICY				INSURANCE	AMORTIZATION	SELLING
		DEFERRED	BENEFITS,		NET	NET	BENEFITS,	OF DEFERRED	GENERAL &		NET
		ACQUISITION	LOSSES &	UNEARNED	PREMIUMS	INVESTMENT	CLAIMS &	ACQUISTION	ADMINISTRATIVE		PREMIUMS
		COSTS	CLAIMS	PREMIUMS	EARNED	INCOME (1)	RESERVES	COSTS	EXPENSES (2)		WRITTEN
December 31, 2015
Medical Stop-Loss	$	-	100,088	-	209,765	4,435	153,919	-	39,455	$	209,765
Fully Insured Health		499	42,165	7,005	171,912	1,813	93,916	386	85,120		171,731
Group disability; life
and DBL		-	141,837	3,060	85,953	3,699	47,646	-	26,857		86,304
Individual life, annuities
and other		-	405,327	171	11,904	7,146	11,697	3,138	12,406		11,901
Corporate		-	-	-	-	205	-	-	8,342		-
	$	499	689,417	10,236	479,534	17,298	307,178	3,524	172,180	$	479,701
December 31, 2014
Medical Stop-Loss	$	-	80,128	-	176,941	4,327	122,469	-	40,373	$	176,941
Fully Insured Health		624	50,767	6,568	218,949	2,202	146,431	482	94,175		215,844
Group disability; life
and DBL		-	147,823	2,700	64,260	3,156	37,537	-	17,936		64,632
Individual life, annuities
and other		30,182	421,908	187	18,898	11,830	19,598	4,459	17,112		18,894
Corporate		-	-	-	-	177	-	-	8,252		-
	$	30,806	700,626	9,455	479,048	21,692	326,035	4,941	177,848	$	476,311
December 31, 2013
Medical Stop-Loss	$	-	72,307	-	166,302	5,055	115,599	-	43,687	$	166,302
Fully Insured Health		361	57,323	9,828	248,870	2,711	177,290	22	99,961		253,569
Group disability; life
and DBL		-	147,426	2,398	60,004	2,763	37,463	-	17,045		60,227
Individual life, annuities
and other		29,416	522,973	197	20,815	16,837	24,438	15,110	12,814		20,810
Corporate		-	-	-	-	105	-	-	6,046		-
	$	29,777	800,029	12,423	495,991	27,471	354,790	15,132	179,553	$	500,908

(1)         Net investment income is allocated between product lines based on the mean reserve method.

(2)         Where possible, direct operating expenses are specifically identified and charged to product lines. Indirect expenses are allocated based on time studies; however, other acceptable methods of allocation might produce different results.