DAC, VOBA, DSI and DFEL	12 Months Ended
	Dec. 31, 2021
DAC, VOBA, DSI and DFEL [Abstract]
DAC, VOBA, DSI and DFEL	7. DAC, VOBA, DSI and DFEL Changes in DAC (in millions) were as follows: For the Years Ended December 31, 2021 2020 2019 Balance as of beginning-of-year$ 5,590 $ 7,418 $ 9,509 Cumulative effect from adoption of new accounting standard - 5 - Business acquired (sold) through reinsurance (362) (26) - Business recaptured through reinsurance - - 59 Deferrals 1,364 1,427 1,900 Amortization, net of interest: Amortization, excluding unlocking, net of interest (980) (811) (922)Unlocking (558) (211) (471)Adjustment related to realized (gains) losses (45) (35) (43)Adjustment related to unrealized (gains) losses 792 (2,177) (2,614)Balance as of end-of-year$ 5,801 $ 5,590 $ 7,418 Changes in VOBA (in millions) were as follows: For the Years Ended December 31, 2021 2020 2019 Balance as of beginning-of-year$ 234 $ 327 $ 799 Business acquired (sold) through reinsurance (288) - - Deferrals - 3 6 Amortization: Amortization, excluding unlocking (91) (107) (115)Unlocking (8) (201) 143 Accretion of interest (1) 35 44 45 Adjustment related to realized (gains) losses (3) - (1)Adjustment related to unrealized (gains) losses 305 168 (550)Balance as of end-of-year$ 184 $ 234 $ 327 (1)The interest accrual rates utilized to calculate the accretion of interest ranged from 4.2% to 6.9%. Estimated future amortization of VOBA, net of interest (in millions), as of December 31, 2021, was as follows: 2022$ 45 2023 44 2024 42 2025 40 2026 37 Changes in DSI (in millions) were as follows: For the Years Ended December 31, 2021 2020 2019 Balance as of beginning-of-year$ 259 $ 281 $ 298 Deferrals 5 7 26 Amortization, net of interest: Amortization, excluding unlocking, net of interest (25) (20) (28)Unlocking - (1) (3)Adjustment related to realized (gains) losses (2) (2) (2)Adjustment related to unrealized (gains) losses 8 (6) (10)Balance as of end-of-year$ 245 $ 259 $ 281 Changes in DFEL (in millions) were as follows: For the Years Ended December 31, 2021 2020 2019 Balance as of beginning-of-year$ 396 $ 646 $ 2,763 Cumulative effect from adoption of new accounting standard - 4 - Business acquired (sold) through reinsurance (290) - - Business recaptured through reinsurance - - 5 Deferrals 1,014 1,002 1,092 Amortization, net of interest: Amortization, excluding unlocking, net of interest (593) (529) (533)Unlocking (387) (275) (426)Adjustment related to realized (gains) losses (22) 16 (11)Adjustment related to unrealized (gains) losses 281 (468) (2,244)Balance as of end-of-year$ 399 $ 396 $ 646