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v3.25.3

REINSURANCE - Effect of Reinsurance on Premiums and Benefits and Claims (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Reinsurance Disclosures [Abstract] |  |  |  |  |
Earned premiums, direct |  | $ 3,413 | $ 3,360 | $ 10,371 | $ 10,194
Earned premiums, ceded |  | (92) | (71) | (271) | (206)
Earned premiums, assumed |  | 51 | 39 | 123 | 121
Net earned premiums | [1] | 3,372 | 3,328 | 10,223 | 10,109
Benefits and claims, excluding reserve remeasurement, direct |  | 2,051 | 2,024 | 6,179 | 6,101
Benefits and claims, excluding reserve remeasurement, ceded |  | (57) | (36) | (177) | (104)
Benefits and claims, excluding reserve remeasurement, assumed |  | 22 | 15 | 47 | 45
Benefits and claims, excluding reserve remeasurement |  | 2,016 | 2,003 | 6,049 | 6,042
Reserve remeasurement (gains) losses, direct |  | (570) | (407) | (648) | (515)
Reserve remeasurement (gains) losses, ceded |  | (10) | (1) | (10) | 0
Reserve remeasurement (gains) losses |  | (580) | (408) | (658) | (515)
Total benefits and claims, net |  | $ 1,436 | $ 1,595 | $ 5,391 | $ 5,527
[1] | Includes a gain (loss) of $(55) and $(75) for the three-month periods and $(55) and $(80) for the nine-month periods ended September 30, 2025 and 2024, respectively, related to remeasurement of the deferred profit liability for limited-payment contracts.

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