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INSURANCE LIABILITIES AND ANNUITY BENEFITS - Changes in Future Policy Benefit Reserves (Details) - USD ($) $ in Millions | 9 Months Ended |  |
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024 | Dec. 31, 2023
Present value of expected future policy benefits |  |  |  |
Net future policy benefit reserves | $ 35,599 |  | $ 34,476 |
Long-term care |  |  |  |
Present value of expected net premiums |  |  |  |
Balance, beginning of year | 4,144 | $ 4,063 |  |
Beginning balance at locked-in discount rate | 3,991 | 3,745 |  |
Effect of changes in cash flow assumptions |  |  | 257 | $ 387
Effect of actual variances from expected experience |  |  | (3) | (26)
Adjusted beginning of year balance |  |  | 4,244 | 4,106
Interest accrual | 164 | 155 |  |
Net premiums collected | (299) | (298) |  |
Effect of foreign currency | 0 | 0 |  |
Ending balance at locked-in discount rate | 4,110 | 3,962 |  |
Effect of changes in discount rate assumptions | 278 | 355 |  |
Balance, end of period | 4,388 | 4,317 |  |
Present value of expected future policy benefits |  |  |  |
Balance, beginning of year | 28,820 | 30,895 |  |
Beginning balance at locked-in discount rate | 27,897 | 27,591 | 27,448 | 27,144
Effect of changes in cash flow assumptions |  |  | 308 | 389
Effect of actual variances from expected experience |  |  | 142 | 24
Adjusted beginning of year balance |  |  | 27,898 | 27,557
Interest accrual | 1,129 | 1,112 |  |
Benefit payments | (1,130) | (1,079) |  |
Effect of foreign currency | 0 | 0 |  |
Ending balance at locked-in discount rate | 27,897 | 27,591 |  |
Effect of changes in discount rate assumptions | 2,291 | 3,540 |  |
Balance, end of period | 30,188 | 31,131 |  |
Net future policy benefit reserves | 25,801 | 26,813 | 24,675 |
Less: Reinsurance recoverables, net of allowance for credit losses | (157) | (185) |  |
Net future policy benefit reserves, after reinsurance recoverables | $ 25,644 | $ 26,628 |  |
Weighted-average duration of liability (years) | 11 years 3 months 18 days | 12 years 3 months 18 days |  |
Weighted-average interest accretion rate | 5.60% | 5.60% |  |
Current discount rate | 5.30% | 5.00% |  |
Gross premiums or assessments recognized during period | $ 343 | $ 359 |  |
Expected future gross premiums, undiscounted | 7,499 | 7,517 |  |
Expected future gross premiums, discounted | 4,813 | 4,938 |  |
Expected future benefit payments, undiscounted | 61,497 | 62,798 |  |
Expected future benefit payments, discounted | 30,188 | 31,131 |  |
Structured settlement annuities |  |  |  |
Present value of expected net premiums |  |  |  |
Balance, beginning of year | 0 | 0 |  |
Beginning balance at locked-in discount rate | 0 | 0 |  |
Effect of changes in cash flow assumptions |  |  | 0 | 0
Effect of actual variances from expected experience |  |  | 0 | 0
Adjusted beginning of year balance |  |  | 0 | 0
Interest accrual | 0 | 0 |  |
Net premiums collected | 0 | 0 |  |
Effect of foreign currency | 0 | 0 |  |
Ending balance at locked-in discount rate | 0 | 0 |  |
Effect of changes in discount rate assumptions | 0 | 0 |  |
Balance, end of period | 0 | 0 |  |
Present value of expected future policy benefits |  |  |  |
Balance, beginning of year | 8,426 | 9,357 |  |
Beginning balance at locked-in discount rate | 8,107 | 8,374 | 8,301 | 8,561
Effect of changes in cash flow assumptions |  |  | (37) | 0
Effect of actual variances from expected experience |  |  | 6 | (25)
Adjusted beginning of year balance |  |  | 8,270 | 8,536
Interest accrual | 323 | 332 |  |
Benefit payments | (486) | (493) |  |
Effect of foreign currency | 0 | 0 |  |
Ending balance at locked-in discount rate | 8,107 | 8,374 |  |
Effect of changes in discount rate assumptions | 360 | 719 |  |
Balance, end of period | 8,467 | 9,093 |  |
Net future policy benefit reserves | 8,467 | 9,093 | 8,426 |
Less: Reinsurance recoverables, net of allowance for credit losses | 0 | 0 |  |
Net future policy benefit reserves, after reinsurance recoverables | $ 8,467 | $ 9,093 |  |
Weighted-average duration of liability (years) | 10 years 2 months 12 days | 10 years 10 months 24 days |  |
Weighted-average interest accretion rate | 5.40% | 5.40% |  |
Current discount rate | 5.30% | 4.90% |  |
Gross premiums or assessments recognized during period | $ 0 | $ 0 |  |
Expected future gross premiums, undiscounted | 0 | 0 |  |
Expected future gross premiums, discounted | 0 | 0 |  |
Expected future benefit payments, undiscounted | 17,961 | 18,769 |  |
Expected future benefit payments, discounted | 8,467 | 9,093 |  |
Life |  |  |  |
Present value of expected net premiums |  |  |  |
Balance, beginning of year | 4,318 | 4,803 |  |
Beginning balance at locked-in discount rate | 4,415 | 4,773 |  |
Effect of changes in cash flow assumptions |  |  | 4 | (1)
Effect of actual variances from expected experience |  |  | (2,343) | (5)
Adjusted beginning of year balance |  |  | 2,076 | 4,768
Interest accrual | 138 | 134 |  |
Net premiums collected | (223) | (212) |  |
Effect of foreign currency | 108 | (41) |  |
Ending balance at locked-in discount rate | 2,099 | 4,649 |  |
Effect of changes in discount rate assumptions | 87 | (24) |  |
Balance, end of period | 2,186 | 4,625 |  |
Present value of expected future policy benefits |  |  |  |
Balance, beginning of year | 5,336 | 5,921 |  |
Beginning balance at locked-in discount rate | 3,035 | 5,658 | 5,411 | 5,847
Effect of changes in cash flow assumptions |  |  | 43 | 24
Effect of actual variances from expected experience |  |  | (2,381) | (4)
Adjusted beginning of year balance |  |  | 3,074 | $ 5,867
Interest accrual | 167 | 164 |  |
Benefit payments | (319) | (329) |  |
Effect of foreign currency | 113 | (44) |  |
Ending balance at locked-in discount rate | 3,035 | 5,658 |  |
Effect of changes in discount rate assumptions | 127 | 26 |  |
Balance, end of period | 3,161 | 5,684 |  |
Net future policy benefit reserves | 976 | 1,060 | $ 1,018 |
Less: Reinsurance recoverables, net of allowance for credit losses | (179) | (32) |  |
Net future policy benefit reserves, after reinsurance recoverables | $ 797 | $ 1,028 |  |
Weighted-average duration of liability (years) | 6 years | 5 years 7 months 6 days |  |
Weighted-average interest accretion rate | 5.30% | 5.10% |  |
Current discount rate | 4.90% | 4.60% |  |
Gross premiums or assessments recognized during period | $ 249 | $ 241 |  |
Expected future gross premiums, undiscounted | 4,468 | 12,011 |  |
Expected future gross premiums, discounted | 2,452 | 5,576 |  |
Expected future benefit payments, undiscounted | 5,091 | 10,868 |  |
Expected future benefit payments, discounted | $ 3,161 | $ 5,684 |  |

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- Definition Amount, before tax, of accumulated other comprehensive income (loss) (AOCI) from (increase) decrease in expected future policy benefit component of liability for future policy benefit from change in discount rate. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (h) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 + Details
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