Schedule III - Supplementary Insurance Information

12 Months Ended

Dec. 31, 2015

Notes

Schedule III - Supplementary Insurance Information

SCHEDULE III
AMERICAN INDEPENDENCE CORP. AND SUBSIDIARIES
SUPPLEMENTARY INSURANCE INFORMATION
(In thousands)
										INSURANCE		SELLING,
										BENEFITS,		GENERAL
								NET		CLAIMS		AND		NET
		INSURANCE		UNEARNED		PREMIUMS		INVESTMENT		AND		ADMINISTRATIVE		PREMIUMS
		RESERVES		PREMIUMS		EARNED		INCOME (1)		RESERVES		EXPENSES (2)		WRITTEN
DECEMBER 31, 2015:
Independence American:
Medical stop-loss	$	23,257	$	-	$	69,169	$	1,131	$	52,844	$	14,862	$	69,169
Fully Insured Health		18,495		4,680		73,745		928		42,496		24,344		74,739
Group Disability		2,012		380		5,889		113		3,401		1,802		5,907
Total Independence American		43,764		5,060		148,803		2,172		98,741		41,008		149,815
Agencies		-		-		-		(18)		-		32,765		-
Corporate		-		-		-		93		-		2,637		-
Total	$	43,764	$	5,060	$	148,803	$	2,247	$	98,741	$	76,410	$	149,815
DECEMBER 31, 2014:
Independence American:
Medical stop-loss	$	15,929	$	-	$	53,279	$	1,103	$	36,330	$	14,524	$	53,279
Fully Insured Health		15,742		3,686		74,309		782		48,710		23,290		74,236
Group Disability		1,945		362		6,018		102		3,847		1,767		6,078
Total Independence American		33,616		4,048		133,606		1,987		88,887		39,581		133,593
Agencies		-		-		-		150		-		28,515		-
Corporate		-		-		-		65		-		1,656		-
Total	$	33,616	$	4,048	$	133,606	$	2,202	$	88,887	$	69,752	$	133,593
DECEMBER 31, 2013:
Independence American:
Medical stop-loss	$	20,618	$	-	$	55,508	$	1,242	$	37,762	$	16,566	$	55,508
Fully Insured Health		13,276		3,759		66,167		631		45,884		16,931		67,702
Group Disability		1,358		302		5,528		73		3,472		1,594		5,617
Total Independence American		35,252		4,061		127,203		1,946		87,118		35,091		128,827
Agencies		-		-		-		111		-		22,384		-
Corporate		-		-		-		47		-		1,403		-
Total	$	35,252	$	4,061	$	127,203	$	2,104	$	87,118	$	58,878	$	128,827

(1)           Net investment income is allocated between product lines based on the mean reserve method.

(2)           Where possible, direct operating expenses are specifically identified and charged to product lines. Indirect expenses are allocated based on time studies; however, other acceptable methods of allocation might produce different results.

See accompanying Report of Independent Registered Public Accounting Firm.