Reserves (Tables)

12 Months Ended

Dec. 31, 2014

Reserves

Schedule of reserve information of the Company's 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:
Universal life and other products no longer offered	$	672	$	2	$	633	$	1	$	668	$	2	$	635	$	1
FFG, LTC and other disposed businesses	207,348		3,854		29,099		3,003		142,337		2,646		23,117		2,102
Other	2,958		12		131		38		3,036		13		178		40
Short Duration Contracts:
Group term life	0		51		7,176		503		0		37		7,733		692
Group disability	0		134		63,087		3,007		0		103		69,823		3,612
Medical	0		2		672		23		0		2		1,007		33
Dental	0		175		34		368		0		134		43		465
Credit life and disability	0		48		148		499		0		58		333		724
Other	0		3		0		4		0		1		0		6
Total	$	210,978	$	4,281	$	100,980	$	7,446	$	146,041	$	2,996	$	102,869	$	7,675

Schedule of roll forward of the Company's product lines with the most significant claims and benefits payable balances

	Group Term Life			Group Disability
Balance as of December 31, 2011, gross of reinsurance	$	11,404		$	88,945
Less: Reinsurance ceded and other (1)	(391		)	(4,660		)
Balance as of January 1, 2012, net of reinsurance	11,013			84,285
Incurred losses related to:
Current year	2,366			7,275
Prior year’s interest	418			3,806
Prior year(s)	(866		)	(1,670		)
Total incurred losses	1,918			9,411
Paid losses related to:
Current year	1,486			1,200
Prior year(s)	2,587			17,505
Total paid losses	4,073			18,705
Balance as of December 31, 2012, net of reinsurance	8,858			74,991
Plus: Reinsurance ceded and other (1)	173			4,670
Balance as of December 31, 2012, gross of reinsurance	$	9,031		$	79,661
Less: Reinsurance ceded and other (1)	(173		)	(4,670		)
Balance as of January 1, 2013, net of reinsurance	8,858			74,991
Incurred losses related to:
Current year	1,976			8,438
Prior year’s interest	385			3,450
Prior year(s)	(621		)	20
Total incurred losses	1,740			11,908
Paid losses related to:
Current year	1,133			1,467
Prior year(s)	1,190			16,344
Total paid losses	2,323			17,811
Balance as of December 31, 2013, net of reinsurance	8,275			69,088
Plus: Reinsurance ceded and other (1)	150			4,347
Balance as of December 31, 2013, gross of reinsurance	$	8,425		$	73,435
Less: Reinsurance ceded and other (1)	(150		)	(4,347		)
Balance as of January 1, 2014, net of reinsurance	8,275			69,088
Incurred losses related to:
Current year	1,977			7,014
Prior year’s interest	361			3,047
Prior year(s)	(323		)	(1,765		)
Total incurred losses	2,015			8,296
Paid losses related to:
Current year	1,484			1,761
Prior year(s)	1,258			13,857
Total paid losses	2,742			15,618
Balance as of December 31, 2014, net of reinsurance	7,548			61,766
Plus: Reinsurance ceded and other (1)	131			4,328
Balance as of December 31, 2014, gross of reinsurance	$	7,679		$	66,094

(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.