The effects of reinsurance on premiums written and contract deposits; premiums and contract charges earned; and benefits, claims and settlement expenses were as follows:

			Ceded to		Assumed
	Gross		Other		from Other		Net
	Amount		Companies		Companies		Amount

Three months ended September 30, 2013
Premiums written and contract deposits	$	312,351	$	7,162	$	844	$	306,033
Premiums and contract charges earned		179,969		7,094		886		173,761
Benefits, claims and settlement expenses		114,261		2,602		1,042		112,701

Three months ended September 30, 2012
Premiums written and contract deposits	$	291,732	$	7,407	$	881	$	285,206
Premiums and contract charges earned		174,372		7,410		942		167,904
Benefits, claims and settlement expenses		108,680		3,585		956		106,051

Nine months ended September 30, 2013
Premiums written and contract deposits	$	838,615	$	22,074	$	2,273	$	818,814
Premiums and contract charges earned		534,621		22,455		2,314		514,480
Benefits, claims and settlement expenses		351,274		7,251		2,142		346,165

Nine months ended September 30, 2012
Premiums written and contract deposits	$	808,147	$	22,175	$	2,276	$	788,248
Premiums and contract charges earned		519,928		22,541		2,356		499,743
Benefits, claims and settlement expenses		353,029		10,365		2,249		344,913