Reserves (Tables)

12 Months Ended

Dec. 31, 2014

Reserves

Schedule of reserve information of major product lines

	December 31, 2014								December 31, 2013
					Claims and Benefits Payable								Claims and Benefits Payable
	Future Policy Benefits and Expenses		Unearned Premiums		Case Reserves		Incurred But Not Reported Reserves		Future Policy Benefits and Expenses		Unearned Premiums		Case Reserves		Incurred But Not Reported Reserves
Long Duration Contracts:
Preneed funeral life insurance policies and investment-type annuity contracts	$	906,864	$	42	$	5,737	$	3,021	$	976,837	$	101	$	4,189	$	3,003
Life insurance no longer offered	251,495		525		1,485		1,163		258,513		528		1,140		2,521
FFG, LTC and other disposed businesses	1,714,854		25,227		265,886		34,869		1,474,858		17,623		205,524		26,351
All other	33,493		370		13,616		9,707		33,668		461		14,595		8,324
Short Duration Contracts:
Group term life	0		2,780		160,789		27,730		0		4,039		161,042		28,480
Group disability	0		1,430		1,063,982		104,953		0		2,435		1,086,870		111,546
Medical	0		22		1,412		726		0		244		1,895		1,205
Dental	0		3,773		2,106		16,448		0		4,921		2,245		16,787
Credit disability	0		14		0		1,962		0		2		0		2,203
All other	0		172		360		1,986		0		181		245		1,565
Total	$	2,906,706	$	34,355	$	1,515,373	$	202,565	$	2,743,876	$	30,535	$	1,477,745	$	201,985

Schedule of most significant claims and benefits payable

	Group Term Life			Group Disability
Balance as of December 31, 2011, gross of reinsurance	205,989			1,288,470
Less: Reinsurance ceded and other (1)	(3,109		)	(32,709		)
Balance as of January 1, 2012, net of reinsurance	202,880			1,255,761
Incurred losses related to:
Current year	121,051			280,183
Prior year’s interest	7,575			54,696
Prior year (s)	(25,441		)	(56,891		)
Total incurred losses	103,185			277,988
Paid losses related to:
Current year	76,377			67,069
Prior year (s)	39,693			270,749
Total paid losses	116,070			337,818
Balance as of December 31, 2012, net of reinsurance	189,995			1,195,931
Plus: Reinsurance ceded and other (1)	2,612			33,494
Balance as of December 31, 2012, gross of reinsurance	$	192,607		$	1,229,425
Less: Reinsurance ceded and other (1)	(2,612		)	(33,494		)
Balance as of January 1, 2013, net of reinsurance	189,995			1,195,931
Incurred losses related to:
Current year	116,735			275,567
Prior year’s interest	7,388			53,255
Prior year (s)	(12,207		)	(29,995		)
Total incurred losses	111,916			298,827
Paid losses related to:
Current year	72,794			68,769
Prior year (s)	41,891			262,215
Total paid losses	114,685			330,984
Balance as of December 31, 2013, net of reinsurance	187,226			1,163,774
Plus: Reinsurance ceded and other (1)	2,296			34,642
Balance as of December 31, 2013 gross of reinsurance	$	189,522		$	1,198,416
Less: Reinsurance ceded and other (1)	(2,296		)	(34,642		)
Balance as of January 1, 2014, net of reinsurance	187,226			1,163,774
Incurred losses related to:
Current year	119,725			278,082
Prior year’s interest	7,187			50,610
Prior year (s)	(14,875		)	(34,238		)
Total incurred losses	112,037			294,454
Paid losses related to:
Current year	74,687			78,411
Prior year (s)	39,322			248,166
Total paid losses	114,009			326,577
Balance as of December 31, 2014, net of reinsurance	185,254			1,131,651
Plus: Reinsurance ceded and other (1)	3,265			37,284
Balance as of December 31, 2014 gross of reinsurance	$	188,519		$	1,168,935

(1) Reinsurance ceded and other includes claims and benefits payable balances that have either been (a) reinsured to third parties, (b) established for claims related expenses whose subsequent payment is not recorded as a paid claim, or (c) reserves established for obligations that would persist even if contracts were cancelled (such as extension of benefits), which cannot be analyzed appropriately under a roll-forward approach.