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Insurance Expenses
 12 Months Ended
Dec. 31, 2014
Insurance Expenses [Abstract]  
Insurance Expenses
NOTE 13. INSURANCE EXPENSES
Insurance Expenses for the years ended December 31, 2014, 2013 and 2012 were:
DOLLARS IN MILLIONS
 
2014
 
2013
 
2012
Commissions
 
$
324.6

 
$
345.7

 
$
366.1

General Expenses
 
258.1

 
257.1

 
262.9

Taxes, Licenses and Fees
 
38.9

 
42.8

 
44.7

Total Costs Incurred
 
621.6

 
645.6

 
673.7

Policy Acquisition Costs:
 
 
 
 
 
 
Deferred
 
(235.8
)
 
(253.4
)
 
(266.4
)
Amortized
 
235.4

 
253.9

 
257.0

Net Policy Acquisition Costs Amortized (Deferred)
 
(0.4
)
 
0.5

 
(9.4
)
Life VIF and P&C Customer Relationships Amortized
 
7.2

 
8.3

 
8.0

Insurance Expenses
 
$
628.4

 
$
654.4

 
$
672.3


Commissions for servicing policies are expensed as incurred, rather than deferred and amortized.