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POLICY LIABILITIES - Changes in Liability for Unpaid Policy Claims (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2022 | Sep. 30, 2021 | Sep. 30, 2022 | Sep. 30, 2021
Liability for Unpaid Claims and Claims Expenses |  |  |  |
Net balance, beginning of period |  |  | $ 4,836 |
Less claims paid during the period on claims incurred during: |  |  |  |
Net balance, end of period | $ 4,516 |  | 4,516 |
Total liability for unpaid policy claims | 4,516 | $ 4,909 | 4,516 | $ 4,909
Health insurance |  |  |  |
Liability for Unpaid Claims and Claims Expenses |  |  |  |
Unpaid supplemental health claims, beginning of period | 3,779 | 4,162 | 4,067 | 4,389
Less reinsurance recoverables | 38 | 37 | 37 | 39
Net balance, beginning of period | 3,741 | 4,125 | 4,030 | 4,350
Add claims incurred during the period related to: |  |  |  |
Current year | 1,689 | 1,720 | 5,007 | 5,302
Prior years | (151) | (215) | (512) | (739)
Total incurred | 1,538 | 1,505 | 4,495 | 4,563
Less claims paid during the period on claims incurred during: |  |  |  |
Current year | 1,148 | 1,279 | 2,703 | 2,947
Prior years | 214 | 219 | 1,554 | 1,676
Total paid | 1,362 | 1,498 | 4,257 | 4,623
Effect of foreign exchange rate changes on unpaid claims | (105) | (29) | (456) | (187)
Net balance, end of period | 3,812 | 4,103 | 3,812 | 4,103
Add reinsurance recoverables | 50 | 39 | 50 | 39
Total liability for unpaid policy claims | 3,862 | 4,142 | 3,862 | 4,142
Life insurance |  |  |  |
Less claims paid during the period on claims incurred during: |  |  |  |
Total liability for unpaid policy claims | $ 654 | $ 767 | $ 654 | $ 767

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- Definition The amount needed to reflect the estimated ultimate cost of settling claims relating to insured events that have occurred on or before the balance sheet date, whether or not reported to the insurer at that date. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (a) -URI https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (cc) -URI https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 + Details
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- Definition Amount, after effects of reinsurance, of payments to settle claims incurred in the current period and related claims settlement costs. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (c) -URI https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 + Details
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- Definition Liability as of the balance sheet date for amounts representing estimated cost of settling unpaid claims under the terms of the underlying insurance policies, less estimated reinsurance recoveries on such claims. This includes an estimate for claims which have been incurred but not reported. Claim adjustment expenses represent the costs estimated to be incurred in the settlement of unpaid claims. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(13)(a)) -URI https://asc.fasb.org/extlink&oid=126734703&loc=d3e572229-122910 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (cc) -URI https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (a) -URI https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 + Details
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