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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2015
Reinsurance Disclosures [Abstract]  
Schedule of reinsurance recoverables
The following table provides details of the reinsurance recoverables balance as of December 31:
 
2015
 
2014
Ceded future policyholder benefits and expenses
$
1,826,798

 
$
1,797,057

Ceded unearned premium
24,587

 
25,389

Ceded claims and benefits payable
360,176

 
319,790

Ceded paid losses
14,363

 
11,972

Total
$
2,225,924

 
$
2,154,208
Schedule of reinsurance recoverable grouped by A.M. Best rating
The following table provides the reinsurance recoverable as of December 31, 2015 grouped by A.M. Best rating:
A. M. Best ratings of
 reinsurer
 
Ceded future
 policyholder
 benefits and
 expense
 
Ceded unearned
 premiums
 
Ceded claims
 and benefits
 payable
 
Ceded paid
 losses
 
Total
A++ or A+
 
$
1,203,705

 
$
24,356

 
$
336,641

 
$
210

 
$
1,564,912

A or A–
 
622,753

 
231

 
16,165

 
1,857

 
641,006

B++ or B+
 
—

 
—

 
6

 
—

 
6

Not rated
 
340

 
—

 
7,364

 
12,296

 
20,000

Reinsurance recoverable
 
$
1,826,798

 
$
24,587

 
$
360,176

 
$
14,363

 
$
2,225,924
Schedule of effect of reinsurance on premiums earned and benefits incurred
The effect of reinsurance on premiums earned and benefits incurred was as follows:
 
Years Ended December 31,
 
2015
 
2014
 
2013
 
Long
 Duration
 
Short
 Duration
 
Total
 
Long
 Duration
 
Short
 Duration
 
Total
 
Long
 Duration
 
Short
 Duration
 
Total
Direct earned premiums
$
209,379

 
$
843,065

 
$
1,052,444

 
$
202,992

 
$
839,786

 
$
1,042,778

 
$
207,159

 
$
823,576

 
$
1,030,735

Premiums assumed
8,365

 
151,709

 
160,074

 
8,400

 
149,549

 
157,949

 
9,709

 
140,971

 
150,680

Premiums ceded
(151,031
)
 
(13,946
)
 
(164,977
)
 
(151,491
)
 
(13,769
)
 
(165,260
)
 
(164,698
)
 
(15,086
)
 
(179,784
)
Net earned premiums
$
66,713

 
$
980,828

 
$
1,047,541

 
$
59,901

 
$
975,566

 
$
1,035,467

 
$
52,170

 
$
949,461

 
$
1,001,631

Direct policyholder benefits
$
414,480

 
$
550,006

 
$
964,486

 
$
661,461

 
$
542,796

 
$
1,204,257

 
$
369,169

 
$
548,631

 
$
917,800

Policyholder benefits
 assumed
18,311

 
147,193

 
165,504

 
21,922

 
145,597

 
167,519

 
23,556

 
138,485

 
162,041

Policyholder benefits ceded
(373,603
)
 
(6,803
)
 
(380,406
)
 
(616,370
)
 
(9,305
)
 
(625,675
)
 
(325,982
)
 
(8,612
)
 
(334,594
)
Net policyholder
 benefits
$
59,188

 
$
690,396

 
$
749,584

 
$
67,013

 
$
679,088

 
$
746,101

 
$
66,743

 
$
678,504

 
$
745,247