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Insurance Liabilities (Tables) | 12 Months Ended
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Dec. 31, 2024
Insurance [Abstract] |
Rollforward of Activity in Loss Reserves | The following table presents the rollforward of activity in loss reserves:
Years Ended December 31, |  |  |  |  |  |  |  |  |  |  |
(in millions) |  |  |  |  |  |  | 2024 |  | 2023 |  | 2022
Liability for unpaid loss and loss adjustment expenses, beginning of year |  |  |  |  |  |  | $ | 70,393 |  |  | $ | 75,167 |  |  | $ | 79,026 |
Reinsurance recoverable |  |  |  |  |  |  | (30,289) |  |  | (32,102) |  |  | (35,213) |
Net Liability for unpaid loss and loss adjustment expenses, beginning of year |  |  |  |  |  |  | 40,104 |  |  | 43,065 |  |  | 43,813 |
Losses and loss adjustment expenses incurred: |  |  |  |  |  |  |  |  |  |  |
Current year |  |  |  |  |  |  | 14,363 |  |  | 15,100 |  |  | 16,434 |
Prior years, excluding discount and amortization of deferred gain |  |  |  |  |  |  | 254 |  |  | (392) |  |  | (530) |
Prior years, discount charge (benefit) |  |  |  |  |  |  | 354 |  |  | 307 |  |  | (605) |
Prior years, amortization of deferred gain on retroactive reinsurance(a) |  |  |  |  |  |  | (404) |  |  | (81) |  |  | (252) |
Total losses and loss adjustment expenses incurred |  |  |  |  |  |  | 14,567 |  |  | 14,934 |  |  | 15,047 |
Losses and loss adjustment expenses paid: |  |  |  |  |  |  |  |  |  |  |
Current year |  |  |  |  |  |  | (3,694) |  |  | (3,836) |  |  | (4,011) |
Prior years |  |  |  |  |  |  | (9,849) |  |  | (11,868) |  |  | (11,066) |
Total losses and loss adjustment expenses paid |  |  |  |  |  |  | (13,543) |  |  | (15,704) |  |  | (15,077) |
Other changes: |  |  |  |  |  |  |  |  |  |  |
Foreign exchange effect |  |  |  |  |  |  | (996) |  |  | 606 |  |  | (1,463) |
Losses and loss adjustment expenses recognized within gain on divestitures |  |  |  |  |  |  | — |  |  | 569 |  |  | — |
Retroactive reinsurance adjustment (net of discount)(b) |  |  |  |  |  |  | 15 |  |  | 158 |  |  | 745 |
Dispositions(c) |  |  |  |  |  |  | (5) |  |  | (3,505) |  |  | — |
Reclassified to held for sale, net of reinsurance recoverables |  |  |  |  |  |  | — |  |  | (19) |  |  | — |
Total other changes |  |  |  |  |  |  | (986) |  |  | (2,191) |  |  | (718) |
Liability for unpaid loss and loss adjustment expenses, end of year: |  |  |  |  |  |  |  |  |  |  |
Net liability for unpaid losses and loss adjustment expenses |  |  |  |  |  |  | 40,142 |  |  | 40,104 |  |  | 43,065 |
Reinsurance recoverable |  |  |  |  |  |  | 29,026 |  |  | 30,289 |  |  | 32,102 |
Total |  |  |  |  |  |  | $ | 69,168 |  |  | $ | 70,393 |  |  | $ | 75,167 |
(a)Includes $82 million, $33 million and $63 million for the retroactive reinsurance agreement with NICO covering U.S. asbestos exposures for the years ended December 31, 2024, 2023 and 2022, respectively. (b)Includes benefit (charge) from change in discount on retroactive reinsurance in the amount of $168 million, $150 million and $(301) million for the years ended December 31, 2024, 2023 and 2022, respectively. (c)Includes amounts related to the sale of Validus Re through the date of disposition.
Schedule of Components of Loss Reserve Discount | The following table presents the components of the loss reserve discount discussed above:
(in millions) |  | December 31, 2024 |  | December 31, 2023
U.S. workers' compensation | $ | 2,111 |  | $ | 2,337 |
Retroactive reinsurance |  | (936) |  |  | (1,104) |
Total reserve discount(a)(b) | $ | 1,175 |  | $ | 1,233 |
(a)Excludes $184 million and $196 million of discount related to certain long-tail liabilities in the UK at December 31, 2024 and 2023, respectively. (b)Includes gross discount of $627 million and $687 million, which was 100 percent ceded to Fortitude Re at December 31, 2024 and 2023, respectively.
Schedule of Loss Reserve Discount | The following table presents the net loss reserve discount benefit (charge):
Years Ended December 31, |  |  |  |  |  |  |  |  |  |  |
(in millions) |  |  |  |  |  |  | 2024 |  | 2023 |  | 2022
Current accident year |  |  |  |  |  | $ | 128 |  | $ | 112 |  | $ | 98 |
Accretion and other adjustments to prior year discount |  |  |  |  |  |  | (303) |  |  | (264) |  |  | (239) |
Effect of interest rate changes |  |  |  |  |  |  | (51) |  |  | (43) |  |  | 844 |
Net reserve discount benefit (charge) |  |  |  |  |  |  | (226) |  |  | (195) |  |  | 703 |
Change in discount on loss reserves ceded under retroactive reinsurance |  |  |  |  |  |  | 168 |  |  | 150 |  |  | (301) |
Net change in total reserve discount* |  |  |  |  |  | $ | (58) |  | $ | (45) |  | $ | 402 |
*Excludes $(12) million, $61 million and $19 million of discount related to certain long-tail liabilities in the UK for the years ended December 31, 2024, 2023 and 2022, respectively.
Schedule of Activity for Future Policy Benefits Liability | The following tables present the balances and changes in the liability for future policy benefits and a reconciliation of the net liability for future policy benefits to the liability for future policy benefits in the Consolidated Balance Sheets:
Years Ended December 31, |  |  |
(in millions, except for liability durations) | 2024 |  | 2023
Present value of expected net premiums |  |  |
Balance, beginning of year | $ | 1,702 |  |  | $ | 1,929 |
Effect of changes in discount rate assumptions (AOCI) | 339 |  |  | 262 |
Beginning balance at original discount rate | 2,041 |  |  | 2,191 |
Effect of changes in cash flow assumptions | 12 |  |  | (2) |
Effect of actual variances from expected experience | (12) |  |  | (16) |
Adjusted beginning of year balance | 2,041 |  |  | 2,173 |
Issuances | 88 |  |  | 122 |
Interest accrual | 39 |  |  | 43 |
Net premium collected | (254) |  |  | (283) |
Foreign exchange impact | (165) |  |  | (14) |
Ending balance at original discount rate | 1,749 |  |  | 2,041 |
Effect of changes in discount rate assumptions (AOCI) | (203) |  |  | (339) |
Balance, end of year | $ | 1,546 |  |  | $ | 1,702 |
Present value of expected future policy benefits |  |  |
Balance, beginning of year | $ | 2,149 |  |  | $ | 2,380 |
Effect of changes in discount rate assumptions (AOCI) | 441 |  |  | 362 |
Beginning balance at original discount rate | 2,590 |  |  | 2,742 |
Effect of changes in cash flow assumptions | 3 |  |  | (13) |
Effect of actual variances from expected experience | (12) |  |  | (18) |
Adjusted beginning of year balance | 2,581 |  |  | 2,711 |
Issuances | 93 |  |  | 130 |
Interest accrual | 48 |  |  | 52 |
Benefit payments | (262) |  |  | (276) |
Foreign exchange impact | (211) |  |  | (27) |
Ending balance at original discount rate | 2,249 |  |  | 2,590 |
Effect of changes in discount rate assumptions (AOCI) | (273) |  |  | (441) |
Balance, end of year | $ | 1,976 |  |  | $ | 2,149 |
Net liability for future policy benefits, end of year | $ | 430 |  |  | $ | 447 |
Deferred profit liability | 1 |  |  | 1 |
Other reconciling items(a) | 886 |  |  | 1,019 |
Future policy benefits | 1,317 |  |  | 1,467 |
Less: Reinsurance recoverable | (726) |  |  | (823) |
Net liability for future policy benefits after reinsurance recoverable | $ | 591 |  |  | $ | 644 |
Weighted average liability duration of the liability for future policy benefits(b) | 9.1 |  | 9.3
(a)Other reconciling items primarily include Global Accident & Health (short-duration) contracts and certain long-duration contracts that are 100 percent ceded of $691 million and $785 million at December 31, 2024 and 2023, respectively. (b)The weighted average liability durations are calculated as the modified duration using projected future net liability cash flows that are aggregated at the segment level, utilizing the segment level weighted average interest rates and current discount rate, which can be found in the table below. The following table presents the amount of undiscounted expected future benefit payments and undiscounted and discounted expected gross premiums for future policy benefits for nonparticipating contracts*:
Years Ended December 31, |  |  |  |  |  |
(in millions) |  | 2024 |  | 2023 |  | 2022
Undiscounted expected future benefits and expense |  | $ | 2,816 |  |  | $ | 3,194 |  |  | $ | 3,325 |
Undiscounted expected future gross premiums |  | 3,911 |  |  | 4,403 |  |  | 4,558 |
*Discounted expected future gross premiums (at current discount rate) for 2024 and 2023 were $2.8 billion and $3.0 billion, respectively. The following table presents the amount of revenue and interest recognized in the Consolidated Statements of Income (Loss) for future policy benefits for nonparticipating contracts:
Years Ended December 31, |  |  |  |  |  |  |  |  |
(in millions) |  |  |  |  |  |  |  |  | 2024 |  | 2023 |  | 2022
Gross premiums |  |  |  |  |  |  |  |  | $ | 409 |  |  | $ | 477 |  |  | $ | 487 |
Interest accretion |  |  |  |  |  |  |  |  | $ | 9 |  |  | $ | 9 |  |  | $ | 8 |
The following table presents the weighted-average interest rate for future policy benefits for nonparticipating contracts:
Years Ended December 31, | 2024 |  | 2023 |  | 2022
Weighted-average interest rate, original discount rate | 1.83 | % |  | 1.82 | % |  | 1.77 | %
Weighted-average interest rate, current discount rate | 3.22 | % |  | 3.78 | % |  | 3.21 | %
Reconciliation of the Net Liability for Unpaid Losses and Loss Adjustment Expenses to Loss Reserves | The following table presents the reconciliation of the net liability for unpaid losses and loss adjustment expenses in the following tables to Loss Reserves in the Consolidated Balance Sheets for the year ended December 31, 2024:
(in millions) | Net liability for unpaid losses and loss adjustment expenses as presented in the disaggregated tables below | Reinsurance recoverable on unpaid losses and loss adjustment expenses included in the disaggregated tables below | Gross liability for unpaid losses and loss adjustment expenses
U.S. Workers' Compensation (before discount) | $ | 3,468 | $ | 4,852 | $ | 8,320
U.S. Excess Casualty |  | 3,208 |  | 3,139 |  | 6,347
U.S. Other Casualty |  | 4,387 |  | 3,416 |  | 7,803
U.S. Financial Lines |  | 5,422 |  | 1,614 |  | 7,036
U.S. Property and Special Risks |  | 4,297 |  | 1,233 |  | 5,530
U.S. Personal Insurance |  | 836 |  | 2,048 |  | 2,884
UK/Europe Casualty and Financial lines |  | 7,280 |  | 1,952 |  | 9,232
UK/Europe Property and Special Risks |  | 2,355 |  | 1,761 |  | 4,116
UK/Europe and Japan Personal Insurance |  | 1,269 |  | 670 |  | 1,939
Total | $ | 32,522 | $ | 20,685 | $ | 53,207
Reconciling Items |  |  |  |  |  |
Discount on workers' compensation lines |  |  |  |  |  | (2,111)
Other product lines* |  |  |  |  |  | 15,384
Unallocated loss adjustment expenses |  |  |  |  |  | 2,688
Total Loss Reserves |  |  |  |  | $ | 69,168
*Reinsurance recoverable for other product lines of $8.4 billion resulted in a net liability for unpaid losses and loss adjustment expenses of $7.0 billion for the year ended December 31, 2024.
Reconciliation of Net Prior Year Development Before the ADC Cessions to the Net Prior Year Development After ADC Cessions and Amortization of Deferred Gain | The following table presents the reconciliation of net prior year development before the ADC cessions from the tables below to the net prior year development after ADC cessions and amortization of deferred gain for the year ended December 31, 2024:
(in millions) |  | Prior Year Development Net of External Reinsurance Before ADC Cessions |  | Prior Year Development Net of External Reinsurance After ADC Cessions(a) |  | Re-Attribution of ADC Recovery(b) |  | Amortization of Deferred Gain at Inception |  | Prior Year Development After Amortization and Re-attribution
U.S. Workers' Compensation | $ | (273) |  | $ | (205) |  | $ | (14) |  | $ | (42) |  | $ | (261) |
U.S. Excess Casualty |  | 545 |  |  | 238 |  |  | 22 |  |  | (32) |  |  | 228 |
U.S. Other Casualty |  | 12 |  |  | 44 |  |  | (38) |  |  | (31) |  |  | (25) |
U.S. Financial Lines |  | 51 |  |  | (40) |  |  | 20 |  |  | (23) |  |  | (43) |
U.S. Property and Special Risks |  | (44) |  |  | 4 |  |  | 11 |  |  | (7) |  |  | 8 |
U.S. Personal Insurance |  | (23) |  |  | (25) |  |  | (1) |  |  | (1) |  |  | (27) |
UK/Europe Casualty and Financial lines |  | 170 |  |  | 170 |  |  | — |  |  | — |  |  | 170 |
UK/Europe Property and Special Risks |  | (35) |  |  | (35) |  |  | — |  |  | — |  |  | (35) |
UK/Europe and Japan Personal Insurance |  | (47) |  |  | (47) |  |  | — |  |  | — |  |  | (47) |
Other Operations |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Other product lines |  | (299) |  |  | (336) |  |  | — |  |  | — |  |  | (336) |
Subtotal, adjusted pre-tax basis | $ | 58 |  | $ | (231) |  | $ | — |  | $ | (136) |  | $ | (367) |
Businesses in run-off |  | 196 |  |  | 111 |  |  | — |  |  | — |  |  | 111 |
Subtotal | $ | 254 |  | $ | (120) |  | $ | — |  | $ | (136) |  | $ | (256) |
Remove impact of Retroactive Reinsurance |  |  |  |  |  |  |  |  |  |
Amortization of deferred gain at inception |  |  |  |  |  |  |  |  |  | 136 |
Prior year development ceded under the Asbestos LPT |  |  |  |  |  |  |  |  |  | 85 |
Prior year development ceded under the ADC |  |  |  |  |  |  |  |  |  | 289 |
Total, prior years, excluding discount and amortization of deferred gain | $ | 254 |
(a)Change in net ultimate loss and loss adjustment expenses excludes the portion of prior year development we have ceded under the Asbestos Loss Portfolio Transfer (LPT) and the ADC, both of which are provided by NICO and are considered retroactive reinsurance under U.S. GAAP. (b)Reattribution of the ADC recovery takes place annually as we model the future payments on the subject reserves. ADC recoverables are then reallocated by line based on payments expected to be made.
Schedule of Undiscounted, Incurred and Paid Losses and Allocated Loss Adjustment Expenses by Accident Year, on a Net Basis After Reinsurance | The following tables present undiscounted, incurred and paid losses and allocated loss adjustment expenses by accident year, on a net basis after reinsurance, with a separate presentation of the ADC excluding the related amortization of the deferred gain: Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 1,708 |  | $ | 1,864 |  | $ | 1,866 |  | $ | 1,814 |  | $ | 1,722 |  | $ | 1,675 |  | $ | 1,634 |  | $ | 1,612 |  | $ | 1,592 |  | $ | 1,464 |  | $ | (128) |  | $ | 179 |  | 37,763 |  | $ | (317) |  | $ | (144) |  | $ | 1,147 |  | $ | 35 |
2016 |  | 1,299 |  | 1,346 |  | 1,318 |  | 1,140 |  | 1,090 |  | 1,075 |  | 1,036 |  | 1,025 |  | 986 |  | (39) |  | 178 |  | 32,178 |  | — |  | — |  | 986 |  | 178 |
2017 |  |  | 789 |  | 850 |  | 776 |  | 763 |  | 731 |  | 712 |  | 705 |  | 673 |  | (32) |  | 176 |  | 28,057 |  | — |  | — |  | 673 |  | 176 |
2018 |  |  |  | 998 |  | 1,021 |  | 961 |  | 911 |  | 896 |  | 875 |  | 786 |  | (89) |  | 200 |  | 22,484 |  | — |  | — |  | 786 |  | 200 |
2019 |  |  |  |  | 887 |  | 873 |  | 812 |  | 801 |  | 788 |  | 730 |  | (58) |  | 218 |  | 17,292 |  | — |  | — |  | 730 |  | 218 |
2020 |  |  |  |  |  | 597 |  | 573 |  | 521 |  | 477 |  | 434 |  | (43) |  | 104 |  | 14,124 |  | — |  | — |  | 434 |  | 104 |
2021 |  |  |  |  |  |  | 597 |  | 570 |  | 545 |  | 514 |  | (31) |  | 212 |  | 11,293 |  | — |  | — |  | 514 |  | 212 |
2022 |  |  |  |  |  |  |  | 523 |  | 493 |  | 464 |  | (29) |  | 209 |  | 9,829 |  | — |  | — |  | 464 |  | 209 |
2023 |  |  |  |  |  |  |  |  | 500 |  | 465 |  | (35) |  | 273 |  | 8,954 |  | — |  | — |  | 465 |  | 273 |
2024 |  |  |  |  |  |  |  |  |  | 567 |  |  | 455 |  | 6,285 |  | — |  | — |  | 567 |  | 455 |
Total |  |  |  |  |  |  |  |  |  | $ | 7,083 |  | $ | (484) |  |  |  | $ | (317) |  |  | $ | 6,766 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (3,806) |  | — |  |  |  | 71 |  |  | (3,735) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 4,145 |  | (187) |  |  |  | (3,708) |  |  | 437 |  |
Unallocated loss adjustment expense prior year development |  |  | 398 |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 7,422 |  | $ | (273) |  |  |  | $ | (3,954) |  |  | $ | 3,468 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 1,279 | $ | 1,279 | $ | 1,318 | $ | 1,134 | $ | 1,105 | $ | 1,041 | $ | 1,092 | $ | 1,154 | $ | 1,147 |  | $ | (7) |
2016 |  | 1,299 | 1,346 | 1,318 | 1,140 | 1,090 | 1,075 | 1,036 | 1,025 | 986 |  | (39) |
2017 |  |  | 789 | 850 | 776 | 763 | 731 | 712 | 705 | 673 |  | (32) |
2018 |  |  |  | 998 | 1,021 | 961 | 911 | 896 | 875 | 786 |  | (89) |
2019 |  |  |  |  | 887 | 873 | 812 | 801 | 788 | 730 |  | (58) |
2020 |  |  |  |  |  | 597 | 573 | 521 | 477 | 434 |  | (43) |
2021 |  |  |  |  |  |  | 597 | 570 | 545 | 514 |  | (31) |
2022 |  |  |  |  |  |  |  | 523 | 493 | 464 |  | (29) |
2023 |  |  |  |  |  |  |  |  | 500 | 465 |  | (35) |
2024 |  |  |  |  |  |  |  |  |  | 567 |  |
Total |  | $ | 2,578 |  | $ | 3,414 |  | $ | 4,484 |  | $ | 4,958 |  | $ | 5,389 |  | $ | 5,740 |  | $ | 6,151 |  | $ | 6,562 |  | $ | 6,766 |  | $ | (363) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (3,735) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | 437 |  | (26) |
Unallocated loss adjustment expense prior year adjustment |  | 184 |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 3,468 |  | $ | (205) |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (585) |  | $ | (587) |  | $ | (496) |  | $ | (588) |  | $ | (570) |  | $ | (593) |  | $ | (520) |  | $ | (438) |  | $ | (317) |  | $ | 121 |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (585) |  | $ | (587) |  | $ | (496) |  | $ | (588) |  | $ | (570) |  | $ | (593) |  | $ | (520) |  | $ | (438) |  | $ | (317) |  | $ | 121 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 71 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (3,708) |  | 161 |
Unallocated loss adjustment expense prior year development |  | (214) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | (3,954) |  | $ | 68 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 234 |  | $ | 524 |  | $ | 725 |  | $ | 854 |  | $ | 925 |  | $ | 979 |  | $ | 1,013 |  | $ | 1,038 |  | $ | 1,058 |  | $ | 1,080 |  |  | $ | (71) |
2016 |  | 147 |  | 378 |  | 521 |  | 584 |  | 630 |  | 662 |  | 686 |  | 694 |  | 708 |  |  | — |
2017 |  |  | 93 |  | 224 |  | 294 |  | 333 |  | 367 |  | 389 |  | 395 |  | 402 |  |  | — |
2018 |  |  |  | 85 |  | 215 |  | 296 |  | 359 |  | 388 |  | 409 |  | 448 |  |  | — |
2019 |  |  |  |  | 93 |  | 219 |  | 301 |  | 347 |  | 389 |  | 417 |  |  | — |
2020 |  |  |  |  |  | 64 |  | 159 |  | 205 |  | 245 |  | 259 |  |  | — |
2021 |  |  |  |  |  |  | 60 |  | 128 |  | 171 |  | 211 |  |  | — |
2022 |  |  |  |  |  |  |  | 45 |  | 102 |  | 143 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 38 |  | 103 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | 35 |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 3,806 |  |  | $ | (71) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 989 |  | $ | 1,463 |  | $ | 1,440 |  | $ | 1,603 |  | $ | 1,656 |  | $ | 1,694 |  | $ | 1,721 |  | $ | 1,686 |  | $ | 1,658 |  | $ | 1,723 |  | $ | 65 |  | $ | 258 |  | 3,269 |  | $ | (534) |  | $ | (131) |  | $ | 1,189 |  | $ | 127 |
2016 |  | 898 |  | 1,146 |  | 1,162 |  | 1,171 |  | 1,274 |  | 1,250 |  | 1,263 |  | 1,276 |  | 1,317 |  | 41 |  | 343 |  | 2,970 |  | — |  | — |  | 1,317 |  | 343 |
2017 |  |  | 856 |  | 1,002 |  | 1,097 |  | 1,153 |  | 1,157 |  | 1,200 |  | 1,182 |  | 1,228 |  | 46 |  | 227 |  | 2,252 |  | — |  | — |  | 1,228 |  | 227 |
2018 |  |  |  | 648 |  | 646 |  | 721 |  | 769 |  | 769 |  | 779 |  | 779 |  | — |  | 149 |  | 1,613 |  | — |  | — |  | 779 |  | 149 |
2019 |  |  |  |  | 577 |  | 583 |  | 597 |  | 612 |  | 600 |  | 604 |  | 4 |  | 279 |  | 1,469 |  | — |  | — |  | 604 |  | 279 |
2020 |  |  |  |  |  | 406 |  | 413 |  | 410 |  | 420 |  | 404 |  | (16) |  | 194 |  | 1,438 |  | — |  | — |  | 404 |  | 194 |
2021 |  |  |  |  |  |  | 278 |  | 277 |  | 274 |  | 358 |  | 84 |  | 154 |  | 1,039 |  | — |  | — |  | 358 |  | 154 |
2022 |  |  |  |  |  |  |  | 305 |  | 305 |  | 333 |  | 28 |  | 156 |  | 690 |  | — |  | — |  | 333 |  | 156 |
2023 |  |  |  |  |  |  |  |  | 345 |  | 348 |  | 3 |  | 210 |  | 567 |  | — |  | — |  | 348 |  | 210 |
2024 |  |  |  |  |  |  |  |  |  | 315 |  |  | 302 |  | 235 |  | — |  | — |  | 315 |  | 302 |
Total |  |  |  |  |  |  |  |  |  | $ | 7,409 |  | $ | 255 |  |  |  | $ | (534) |  |  | $ | 6,875 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (4,350) |  | — |  |  |  | 197 |  |  | (4,153) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 2,104 |  | 217 |  |  |  | (1,618) |  |  | 486 |  |
Unallocated loss adjustment expense prior year development |  |  | 73 |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 5,163 |  | $ | 545 |  |  |  | $ | (1,955) |  |  | $ | 3,208 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 1,027 | $ | 1,015 | $ | 1,139 | $ | 1,163 | $ | 1,211 | $ | 1,231 | $ | 1,174 | $ | 1,196 | $ | 1,189 |  | $ | (7) |
2016 |  | 898 | 1,146 | 1,162 | 1,171 | 1,274 | 1,250 | 1,263 | 1,276 | 1,317 |  | 41 |
2017 |  |  | 856 | 1,002 | 1,097 | 1,153 | 1,157 | 1,200 | 1,182 | 1,228 |  | 46 |
2018 |  |  |  | 648 | 646 | 721 | 769 | 769 | 779 | 779 |  | — |
2019 |  |  |  |  | 577 | 583 | 597 | 612 | 600 | 604 |  | 4 |
2020 |  |  |  |  |  | 406 | 413 | 410 | 420 | 404 |  | (16) |
2021 |  |  |  |  |  |  | 278 | 277 | 274 | 358 |  | 84 |
2022 |  |  |  |  |  |  |  | 305 | 305 | 333 |  | 28 |
2023 |  |  |  |  |  |  |  |  | 345 | 348 |  | 3 |
2024 |  |  |  |  |  |  |  |  |  | 315 |  |
Total |  | $ | 1,925 |  | $ | 3,017 |  | $ | 3,951 |  | $ | 4,654 |  | $ | 5,348 |  | $ | 5,695 |  | $ | 6,010 |  | $ | 6,377 |  | $ | 6,875 |  | $ | 183 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (4,153) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | 486 |  | 39 |
Unallocated loss adjustment expense prior year adjustment |  | 16 |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 3,208 |  | $ | 238 |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (436) |  | $ | (425) |  | $ | (464) |  | $ | (493) |  | $ | (483) |  | $ | (490) |  | $ | (512) |  | $ | (462) |  | $ | (534) |  | $ | (72) |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (436) |  | $ | (425) |  | $ | (464) |  | $ | (493) |  | $ | (483) |  | $ | (490) |  | $ | (512) |  | $ | (462) |  | $ | (534) |  | $ | (72) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 197 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (1,618) |  | (178) |
Unallocated loss adjustment expense prior year development |  | (57) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | (1,955) |  | $ | (307) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 9 |  | $ | 210 |  | $ | 391 |  | $ | 718 |  | $ | 935 |  | $ | 1,061 |  | $ | 1,124 |  | $ | 1,253 |  | $ | 1,291 |  | $ | 1,325 |  |  | $ | (197) |
2016 |  | 28 |  | 80 |  | 204 |  | 388 |  | 502 |  | 566 |  | 670 |  | 798 |  | 851 |  |  | — |
2017 |  |  | 1 |  | 45 |  | 156 |  | 505 |  | 585 |  | 676 |  | 781 |  | 860 |  |  | — |
2018 |  |  |  | 1 |  | 125 |  | 227 |  | 315 |  | 414 |  | 494 |  | 527 |  |  | — |
2019 |  |  |  |  | 7 |  | 43 |  | 79 |  | 157 |  | 216 |  | 253 |  |  | — |
2020 |  |  |  |  |  | 4 |  | 15 |  | 33 |  | 128 |  | 188 |  |  | — |
2021 |  |  |  |  |  |  | 4 |  | 43 |  | 62 |  | 161 |  |  | — |
2022 |  |  |  |  |  |  |  | 14 |  | 51 |  | 96 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 1 |  | 89 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | — |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 4,350 |  |  | $ | (197) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 1,329 |  | $ | 1,762 |  | $ | 1,829 |  | $ | 1,736 |  | $ | 1,794 |  | $ | 1,834 |  | $ | 1,824 |  | $ | 1,815 |  | $ | 1,796 |  | $ | 1,770 |  | $ | (26) |  | $ | 6 |  | 35,881 |  | $ | (273) |  | $ | (3) |  | $ | 1,497 |  | $ | 3 |
2016 |  | 1,339 |  | 1,343 |  | 1,321 |  | 1,391 |  | 1,340 |  | 1,323 |  | 1,293 |  | 1,297 |  | 1,264 |  | (33) |  | 69 |  | 29,391 |  | — |  | — |  | 1,264 |  | 69 |
2017 |  |  | 602 |  | 629 |  | 738 |  | 674 |  | 668 |  | 643 |  | 654 |  | 662 |  | 8 |  | 14 |  | 21,382 |  | — |  | — |  | 662 |  | 14 |
2018 |  |  |  | 802 |  | 845 |  | 837 |  | 870 |  | 824 |  | 810 |  | 841 |  | 31 |  | 154 |  | 17,096 |  | — |  | — |  | 841 |  | 154 |
2019 |  |  |  |  | 1,059 |  | 1,058 |  | 1,053 |  | 1,062 |  | 1,039 |  | 1,024 |  | (15) |  | 469 |  | 21,383 |  | — |  | — |  | 1,024 |  | 469 |
2020 |  |  |  |  |  | 524 |  | 576 |  | 538 |  | 540 |  | 519 |  | (21) |  | 223 |  | 11,622 |  | — |  | — |  | 519 |  | 223 |
2021 |  |  |  |  |  |  | 795 |  | 793 |  | 790 |  | 818 |  | 28 |  | 470 |  | 11,249 |  | — |  | — |  | 818 |  | 470 |
2022 |  |  |  |  |  |  |  | 793 |  | 819 |  | 827 |  | 8 |  | 530 |  | 13,636 |  | — |  | — |  | 827 |  | 530 |
2023 |  |  |  |  |  |  |  |  | 933 |  | 955 |  | 22 |  | 781 |  | 13,687 |  | — |  | — |  | 955 |  | 781 |
2024 |  |  |  |  |  |  |  |  |  | 840 |  |  | 754 |  | 9,070 |  | — |  | — |  | 840 |  | 754 |
Total |  |  |  |  |  |  |  |  |  | $ | 9,520 |  | $ | 2 |  |  |  | $ | (273) |  |  | $ | 9,247 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (5,435) |  | — |  |  |  | 194 |  |  | (5,241) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 1,300 |  | (14) |  |  |  | (919) |  |  | 381 |  |
Unallocated loss adjustment expense prior year development |  |  | 24 |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 5,385 |  | $ | 12 |  |  |  | $ | (998) |  |  | $ | 4,387 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 1,361 | $ | 1,373 | $ | 1,423 | $ | 1,493 | $ | 1,553 | $ | 1,562 | $ | 1,563 | $ | 1,514 | $ | 1,497 |  | $ | (17) |
2016 |  | 1,339 | 1,343 | 1,321 | 1,391 | 1,340 | 1,323 | 1,293 | 1,297 | 1,264 |  | (33) |
2017 |  |  | 602 | 629 | 738 | 674 | 668 | 643 | 654 | 662 |  | 8 |
2018 |  |  |  | 802 | 845 | 837 | 870 | 824 | 810 | 841 |  | 31 |
2019 |  |  |  |  | 1,059 | 1,058 | 1,053 | 1,062 | 1,039 | 1,024 |  | (15) |
2020 |  |  |  |  |  | 524 | 576 | 538 | 540 | 519 |  | (21) |
2021 |  |  |  |  |  |  | 795 | 793 | 790 | 818 |  | 28 |
2022 |  |  |  |  |  |  |  | 793 | 819 | 827 |  | 8 |
2023 |  |  |  |  |  |  |  |  | 933 | 955 |  | 22 |
2024 |  |  |  |  |  |  |  |  |  | 840 |  |
Total |  | $ | 2,700 |  | $ | 3,318 |  | $ | 4,175 |  | $ | 5,526 |  | $ | 5,986 |  | $ | 6,847 |  | $ | 7,509 |  | $ | 8,396 |  | $ | 9,247 |  | $ | 11 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (5,241) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | 381 |  | 37 |
Unallocated loss adjustment expense prior year adjustment |  | (4) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 4,387 |  | $ | 44 |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (401) |  | $ | (456) |  | $ | (313) |  | $ | (301) |  | $ | (281) |  | $ | (262) |  | $ | (252) |  | $ | (282) |  | $ | (273) |  | $ | 9 |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (401) |  | $ | (456) |  | $ | (313) |  | $ | (301) |  | $ | (281) |  | $ | (262) |  | $ | (252) |  | $ | (282) |  | $ | (273) |  | $ | 9 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 194 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (919) |  | 51 |
Unallocated loss adjustment expense prior year development |  | (28) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | (998) |  | $ | 32 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 105 |  | $ | 309 |  | $ | 769 |  | $ | 1,087 |  | $ | 1,351 |  | $ | 1,485 |  | $ | 1,603 |  | $ | 1,680 |  | $ | 1,707 |  | $ | 1,717 |  |  | $ | (194) |
2016 |  | 77 |  | 298 |  | 489 |  | 703 |  | 846 |  | 938 |  | 1,018 |  | 1,074 |  | 1,144 |  |  | — |
2017 |  |  | 51 |  | 111 |  | 216 |  | 314 |  | 455 |  | 527 |  | 592 |  | 613 |  |  | — |
2018 |  |  |  | 43 |  | 122 |  | 227 |  | 360 |  | 470 |  | 565 |  | 636 |  |  | — |
2019 |  |  |  |  | 53 |  | 138 |  | 226 |  | 321 |  | 410 |  | 474 |  |  | — |
2020 |  |  |  |  |  | 26 |  | 73 |  | 139 |  | 198 |  | 252 |  |  | — |
2021 |  |  |  |  |  |  | 32 |  | 87 |  | 169 |  | 265 |  |  | — |
2022 |  |  |  |  |  |  |  | 38 |  | 112 |  | 195 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 36 |  | 102 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | 37 |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 5,435 |  |  | $ | (194) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 1,737 |  | $ | 1,762 |  | $ | 1,743 |  | $ | 1,788 |  | $ | 1,830 |  | $ | 1,874 |  | $ | 1,959 |  | $ | 2,044 |  | $ | 2,048 |  | $ | 2,039 |  | $ | (9) |  | $ | 63 |  | 16,263 |  | $ | (485) |  | $ | (50) |  | $ | 1,554 |  | $ | 13 |
2016 |  | 1,605 |  | 1,855 |  | 1,993 |  | 2,064 |  | 2,139 |  | 2,281 |  | 2,325 |  | 2,308 |  | 2,322 |  | 14 |  | 112 |  | 16,138 |  | — |  | — |  | 2,322 |  | 112 |
2017 |  |  | 1,564 |  | 1,675 |  | 1,756 |  | 1,846 |  | 1,898 |  | 1,987 |  | 1,957 |  | 1,969 |  | 12 |  | 121 |  | 15,287 |  | — |  | — |  | 1,969 |  | 121 |
2018 |  |  |  | 1,640 |  | 1,766 |  | 1,882 |  | 2,063 |  | 2,225 |  | 2,322 |  | 2,282 |  | (40) |  | 354 |  | 14,857 |  | — |  | — |  | 2,282 |  | 354 |
2019 |  |  |  |  | 1,503 |  | 1,536 |  | 1,627 |  | 1,926 |  | 1,912 |  | 1,945 |  | 33 |  | 358 |  | 13,381 |  | — |  | — |  | 1,945 |  | 358 |
2020 |  |  |  |  |  | 1,213 |  | 1,252 |  | 1,408 |  | 1,457 |  | 1,470 |  | 13 |  | 260 |  | 10,461 |  | — |  | — |  | 1,470 |  | 260 |
2021 |  |  |  |  |  |  | 1,430 |  | 1,408 |  | 1,388 |  | 1,316 |  | (72) |  | 700 |  | 7,226 |  | — |  | — |  | 1,316 |  | 700 |
2022 |  |  |  |  |  |  |  | 1,130 |  | 1,108 |  | 1,105 |  | (3) |  | 857 |  | 5,939 |  | — |  | — |  | 1,105 |  | 857 |
2023 |  |  |  |  |  |  |  |  | 1,043 |  | 1,041 |  | (2) |  | 800 |  | 6,997 |  | — |  | — |  | 1,041 |  | 800 |
2024 |  |  |  |  |  |  |  |  |  | 942 |  |  | 851 |  | 7,258 |  | — |  | — |  | 942 |  | 851 |
Total |  |  |  |  |  |  |  |  |  | $ | 16,431 |  | $ | (54) |  |  |  | $ | (485) |  |  | $ | 15,946 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (10,922) |  | — |  |  |  | 367 |  |  | (10,555) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 427 |  | 92 |  |  |  | (396) |  |  | 31 |  |
Unallocated loss adjustment expense prior year development |  |  | 13 |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 5,936 |  | $ | 51 |  |  |  | $ | (514) |  |  | $ | 5,422 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 1,429 | $ | 1,430 | $ | 1,462 | $ | 1,552 | $ | 1,550 | $ | 1,595 | $ | 1,605 | $ | 1,553 | $ | 1,554 |  | $ | 1 |
2016 |  | 1,605 | 1,855 | 1,993 | 2,064 | 2,139 | 2,281 | 2,325 | 2,308 | 2,322 |  | 14 |
2017 |  |  | 1,564 | 1,675 | 1,756 | 1,846 | 1,898 | 1,987 | 1,957 | 1,969 |  | 12 |
2018 |  |  |  | 1,640 | 1,766 | 1,882 | 2,063 | 2,225 | 2,322 | 2,282 |  | (40) |
2019 |  |  |  |  | 1,503 | 1,536 | 1,627 | 1,926 | 1,912 | 1,945 |  | 33 |
2020 |  |  |  |  |  | 1,213 | 1,252 | 1,408 | 1,457 | 1,470 |  | 13 |
2021 |  |  |  |  |  |  | 1,430 | 1,408 | 1,388 | 1,316 |  | (72) |
2022 |  |  |  |  |  |  |  | 1,130 | 1,108 | 1,105 |  | (3) |
2023 |  |  |  |  |  |  |  |  | 1,043 | 1,041 |  | (2) |
2024 |  |  |  |  |  |  |  |  |  | 942 |  |
Total |  | $ | 3,034 |  | $ | 4,849 |  | $ | 6,770 |  | $ | 8,641 |  | $ | 10,166 |  | $ | 12,146 |  | $ | 14,014 |  | $ | 15,048 |  | $ | 15,946 |  | $ | (44) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (10,555) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | 31 |  | 4 |
Unallocated loss adjustment expense prior year adjustment |  | — |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 5,422 |  | $ | (40) |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (333) |  | $ | (313) |  | $ | (326) |  | $ | (278) |  | $ | (324) |  | $ | (364) |  | $ | (439) |  | $ | (495) |  | $ | (485) |  | $ | 10 |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (333) |  | $ | (313) |  | $ | (326) |  | $ | (278) |  | $ | (324) |  | $ | (364) |  | $ | (439) |  | $ | (495) |  | $ | (485) |  | $ | 10 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 367 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (396) |  | (88) |
Unallocated loss adjustment expense prior year development |  | (13) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | (514) |  | $ | (91) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 63 |  | $ | 390 |  | $ | 791 |  | $ | 1,055 |  | $ | 1,282 |  | $ | 1,488 |  | $ | 1,686 |  | $ | 1,818 |  | $ | 1,914 |  | $ | 1,929 |  |  | $ | (367) |
2016 |  | 73 |  | 499 |  | 1,002 |  | 1,358 |  | 1,659 |  | 1,826 |  | 1,903 |  | 2,039 |  | 2,115 |  |  | — |
2017 |  |  | 64 |  | 391 |  | 761 |  | 1,118 |  | 1,396 |  | 1,515 |  | 1,653 |  | 1,777 |  |  | — |
2018 |  |  |  | 86 |  | 486 |  | 835 |  | 1,126 |  | 1,415 |  | 1,601 |  | 1,776 |  |  | — |
2019 |  |  |  |  | 94 |  | 367 |  | 642 |  | 953 |  | 1,204 |  | 1,423 |  |  | — |
2020 |  |  |  |  |  | 84 |  | 356 |  | 648 |  | 915 |  | 1,063 |  |  | — |
2021 |  |  |  |  |  |  | 43 |  | 151 |  | 315 |  | 468 |  |  | — |
2022 |  |  |  |  |  |  |  | 30 |  | 109 |  | 177 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 46 |  | 150 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | 44 |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 10,922 |  |  | $ | (367) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 2,567 |  | $ | 2,506 |  | $ | 2,489 |  | $ | 2,492 |  | $ | 2,466 |  | $ | 2,471 |  | $ | 2,479 |  | $ | 2,490 |  | $ | 2,493 |  | $ | 2,484 |  | $ | (9) |  | $ | 4 |  | 59,598 |  | $ | (97) |  | $ | (3) |  | $ | 2,387 |  | $ | 1 |
2016 |  | 2,674 |  | 2,748 |  | 2,690 |  | 2,697 |  | 2,707 |  | 2,694 |  | 2,700 |  | 2,713 |  | 2,727 |  | 14 |  | 8 |  | 54,893 |  | — |  | — |  | 2,727 |  | 8 |
2017 |  |  | 4,569 |  | 4,239 |  | 4,127 |  | 4,153 |  | 4,173 |  | 4,212 |  | 4,175 |  | 4,187 |  | 12 |  | 12 |  | 79,846 |  | — |  | — |  | 4,187 |  | 12 |
2018 |  |  |  | 2,978 |  | 2,993 |  | 2,992 |  | 3,229 |  | 3,201 |  | 3,210 |  | 3,204 |  | (6) |  | 49 |  | 70,122 |  | — |  | — |  | 3,204 |  | 49 |
2019 |  |  |  |  | 2,177 |  | 2,146 |  | 2,211 |  | 2,222 |  | 2,177 |  | 2,198 |  | 21 |  | 34 |  | 78,995 |  | — |  | — |  | 2,198 |  | 34 |
2020 |  |  |  |  |  | 3,391 |  | 3,320 |  | 3,280 |  | 3,238 |  | 3,269 |  | 31 |  | 645 |  | 68,891 |  | — |  | — |  | 3,269 |  | 645 |
2021 |  |  |  |  |  |  | 2,339 |  | 2,213 |  | 2,160 |  | 2,190 |  | 30 |  | 122 |  | 82,226 |  | — |  | — |  | 2,190 |  | 122 |
2022 |  |  |  |  |  |  |  | 3,171 |  | 3,281 |  | 3,240 |  | (41) |  | 504 |  | 86,499 |  | — |  | — |  | 3,240 |  | 504 |
2023 |  |  |  |  |  |  |  |  | 2,528 |  | 2,440 |  | (88) |  | 431 |  | 99,114 |  | — |  | — |  | 2,440 |  | 431 |
2024 |  |  |  |  |  |  |  |  |  | 1,844 |  |  | 537 |  | 25,410 |  | — |  | — |  | 1,844 |  | 537 |
Total |  |  |  |  |  |  |  |  |  | $ | 27,783 |  | $ | (36) |  |  |  | $ | (97) |  |  | $ | 27,686 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (23,702) |  | — |  |  |  | 70 |  |  | (23,632) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 395 |  | (8) |  |  |  | (152) |  |  | 243 |  |
Unallocated loss adjustment expense prior year development |  |  | — |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 4,476 |  | $ | (44) |  |  |  | $ | (179) |  |  | $ | 4,297 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 2,365 | $ | 2,391 | $ | 2,405 | $ | 2,372 | $ | 2,372 | $ | 2,372 | $ | 2,375 | $ | 2,393 | $ | 2,387 |  | $ | (6) |
2016 |  | 2,674 | 2,748 | 2,690 | 2,697 | 2,707 | 2,694 | 2,700 | 2,713 | 2,727 |  | 14 |
2017 |  |  | 4,569 | 4,239 | 4,127 | 4,153 | 4,173 | 4,212 | 4,175 | 4,187 |  | 12 |
2018 |  |  |  | 2,978 | 2,993 | 2,992 | 3,229 | 3,201 | 3,210 | 3,204 |  | (6) |
2019 |  |  |  |  | 2,177 | 2,146 | 2,211 | 2,222 | 2,177 | 2,198 |  | 21 |
2020 |  |  |  |  |  | 3,391 | 3,320 | 3,280 | 3,238 | 3,269 |  | 31 |
2021 |  |  |  |  |  |  | 2,339 | 2,213 | 2,160 | 2,190 |  | 30 |
2022 |  |  |  |  |  |  |  | 3,171 | 3,281 | 3,240 |  | (41) |
2023 |  |  |  |  |  |  |  |  | 2,528 | 2,440 |  | (88) |
2024 |  |  |  |  |  |  |  |  |  | 1,844 |  |
Total |  | $ | 5,039 |  | $ | 9,708 |  | $ | 12,312 |  | $ | 14,366 |  | $ | 17,761 |  | $ | 20,338 |  | $ | 23,374 |  | $ | 25,875 |  | $ | 27,686 |  | $ | (33) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (23,632) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | 243 |  | 38 |
Unallocated loss adjustment expense prior year adjustment |  | (1) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 4,297 |  | $ | 4 |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (141) |  | $ | (98) |  | $ | (87) |  | $ | (94) |  | $ | (99) |  | $ | (107) |  | $ | (115) |  | $ | (100) |  | $ | (97) |  | $ | 3 |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (141) |  | $ | (98) |  | $ | (87) |  | $ | (94) |  | $ | (99) |  | $ | (107) |  | $ | (115) |  | $ | (100) |  | $ | (97) |  | $ | 3 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 70 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (152) |  | 46 |
Unallocated loss adjustment expense prior year development |  | (1) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | (179) |  | $ | 48 |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 844 |  | $ | 1,572 |  | $ | 1,878 |  | $ | 2,121 |  | $ | 2,240 |  | $ | 2,308 |  | $ | 2,344 |  | $ | 2,391 |  | $ | 2,457 |  | $ | 2,462 |  |  | $ | (70) |
2016 |  | 821 |  | 1,747 |  | 2,076 |  | 2,296 |  | 2,464 |  | 2,539 |  | 2,616 |  | 2,647 |  | 2,679 |  |  | — |
2017 |  |  | 1,137 |  | 2,625 |  | 3,281 |  | 3,638 |  | 3,897 |  | 3,999 |  | 4,055 |  | 4,129 |  |  | — |
2018 |  |  |  | 977 |  | 2,162 |  | 2,509 |  | 2,715 |  | 2,863 |  | 2,994 |  | 3,094 |  |  | — |
2019 |  |  |  |  | 1,039 |  | 1,673 |  | 1,906 |  | 2,037 |  | 2,083 |  | 2,124 |  |  | — |
2020 |  |  |  |  |  | 844 |  | 1,613 |  | 1,874 |  | 2,190 |  | 2,414 |  |  | — |
2021 |  |  |  |  |  |  | 878 |  | 1,743 |  | 1,983 |  | 2,004 |  |  | — |
2022 |  |  |  |  |  |  |  | 1,208 |  | 2,207 |  | 2,437 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 1,173 |  | 1,692 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | 667 |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 23,702 |  |  | $ | (70) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance
| Years Ended December 31, (in millions) |  | December 31, 2024 |  |  |  |
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development Excluding the Impact of ADC | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims | Incurred Impact of ADC | IBNR Impact of ADC | 2024 (Net of Impact of ADC) | Total of IBNR Liabilities Net of Impact of ADC
| Unaudited |  |  |  |  |  |  |  |
2015 | $ | 1,511 |  | $ | 1,498 |  | $ | 1,494 |  | $ | 1,483 |  | $ | 1,482 |  | $ | 1,485 |  | $ | 1,487 |  | $ | 1,488 |  | $ | 1,487 |  | $ | 1,488 |  | $ | 1 |  | $ | 12 |  | 261,309 |  | $ | (9) |  | $ | — |  | $ | 1,479 |  | $ | 12 |
2016 |  | 1,536 |  | 1,533 |  | 1,533 |  | 1,540 |  | 1,542 |  | 1,544 |  | 1,544 |  | 1,541 |  | 1,541 |  | — |  | 16 |  | 247,696 |  | — |  | — |  | 1,541 |  | 16 |
2017 |  |  | 1,878 |  | 2,137 |  | 2,011 |  | 2,057 |  | 1,924 |  | 1,916 |  | 1,896 |  | 1,899 |  | 3 |  | 15 |  | 220,270 |  | — |  | — |  | 1,899 |  | 15 |
2018 |  |  |  | 2,188 |  | 2,193 |  | 2,154 |  | 1,937 |  | 1,936 |  | 1,920 |  | 1,927 |  | 7 |  | 37 |  | 102,483 |  | — |  | — |  | 1,927 |  | 37 |
2019 |  |  |  |  | 1,593 |  | 1,664 |  | 1,646 |  | 1,596 |  | 1,578 |  | 1,569 |  | (9) |  | 44 |  | 93,909 |  | — |  | — |  | 1,569 |  | 44 |
2020 |  |  |  |  |  | 954 |  | 906 |  | 913 |  | 894 |  | 890 |  | (4) |  | 33 |  | 55,713 |  | — |  | — |  | 890 |  | 33 |
2021 |  |  |  |  |  |  | 748 |  | 765 |  | 762 |  | 752 |  | (10) |  | 73 |  | 57,288 |  | — |  | — |  | 752 |  | 73 |
2022 |  |  |  |  |  |  |  | 517 |  | 529 |  | 525 |  | (4) |  | 100 |  | 55,394 |  | — |  | — |  | 525 |  | 100 |
2023 |  |  |  |  |  |  |  |  | 677 |  | 668 |  | (9) |  | 122 |  | 47,201 |  | — |  | — |  | 668 |  | 122 |
2024 |  |  |  |  |  |  |  |  |  | 604 |  |  | 294 |  | 29,007 |  | — |  | — |  | 604 |  | 294 |
Total |  |  |  |  |  |  |  |  |  | $ | 11,863 |  | $ | (25) |  |  |  | $ | (9) |  |  | $ | 11,854 |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (10,979) |  | — |  |  |  | 9 |  |  | (10,970) |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | (48) |  | 3 |  |  |  | — |  |  | (48) |  |
Unallocated loss adjustment expense prior year development |  |  | (1) |  |  |  |  |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 836 |  | $ | (23) |  |  |  | $ | — |  |  | $ | 836 |  |
Incurred Losses and Loss Adjustment Expenses, Undiscounted, Net of Reinsurance (including impact of ADC)
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | 1,476 | $ | 1,475 | $ | 1,472 | $ | 1,476 | $ | 1,480 | $ | 1,482 | $ | 1,481 | $ | 1,479 | $ | 1,479 |  | $ | — |
2016 |  | 1,536 | 1,533 | 1,533 | 1,540 | 1,542 | 1,544 | 1,544 | 1,541 | 1,541 |  | — |
2017 |  |  | 1,878 | 2,137 | 2,011 | 2,057 | 1,924 | 1,916 | 1,896 | 1,899 |  | 3 |
2018 |  |  |  | 2,188 | 2,193 | 2,154 | 1,937 | 1,936 | 1,920 | 1,927 |  | 7 |
2019 |  |  |  |  | 1,593 | 1,664 | 1,646 | 1,596 | 1,578 | 1,569 |  | (9) |
2020 |  |  |  |  |  | 954 | 906 | 913 | 894 | 890 |  | (4) |
2021 |  |  |  |  |  |  | 748 | 765 | 762 | 752 |  | (10) |
2022 |  |  |  |  |  |  |  | 517 | 529 | 525 |  | (4) |
2023 |  |  |  |  |  |  |  |  | 677 | 668 |  | (9) |
2024 |  |  |  |  |  |  |  |  |  | 604 |  |
Total |  | $ | 3,012 |  | $ | 4,886 |  | $ | 7,330 |  | $ | 8,813 |  | $ | 9,851 |  | $ | 10,187 |  | $ | 10,668 |  | $ | 11,276 |  | $ | 11,854 |  | $ | (26) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | (10,970) |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | (48) |  | 2 |
Unallocated loss adjustment expense prior year adjustment |  | (1) |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | 836 |  | $ | (25) |
The following table provides our attribution of our reinsurance recoverable for the ADC only (included in the table above):
|  | Calendar Years Ended December 31, (in millions) |
Accident Year |  | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Prior Year Development
|  | Unaudited |  |
2015 |  | $ | (22) |  | $ | (19) |  | $ | (11) |  | $ | (6) |  | $ | (5) |  | $ | (5) |  | $ | (7) |  | $ | (8) |  | $ | (9) |  | $ | (1) |
2016 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2017 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2018 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2019 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2020 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2021 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2022 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2023 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
2024 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  | $ | (22) |  | $ | (19) |  | $ | (11) |  | $ | (6) |  | $ | (5) |  | $ | (5) |  | $ | (7) |  | $ | (8) |  | $ | (9) |  | $ | (1) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below | 9 |  |
Liabilities for losses and allocated loss adjustment expenses and prior year development before 2015, net of reinsurance | — |  | (1) |
Unallocated loss adjustment expense prior year development |  | — |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance | $ | — |  | $ | (2) |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance
| Years Ended December 31, (in millions) |  | Paid Impact of ADC
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Unaudited |  |  |
2015 | $ | 931 |  | $ | 1,320 |  | $ | 1,411 |  | $ | 1,439 |  | $ | 1,455 |  | $ | 1,461 |  | $ | 1,463 |  | $ | 1,468 |  | $ | 1,471 |  | $ | 1,474 |  |  | $ | (9) |
2016 |  | 857 |  | 1,344 |  | 1,422 |  | 1,460 |  | 1,501 |  | 1,512 |  | 1,518 |  | 1,521 |  | 1,521 |  |  | — |
2017 |  |  | 941 |  | 1,672 |  | 1,896 |  | 1,789 |  | 1,826 |  | 1,852 |  | 1,861 |  | 1,878 |  |  | — |
2018 |  |  |  | 1,227 |  | 1,939 |  | 1,973 |  | 1,789 |  | 1,832 |  | 1,849 |  | 1,881 |  |  | — |
2019 |  |  |  |  | 884 |  | 1,295 |  | 1,379 |  | 1,416 |  | 1,491 |  | 1,516 |  |  | — |
2020 |  |  |  |  |  | 667 |  | 679 |  | 725 |  | 824 |  | 846 |  |  | — |
2021 |  |  |  |  |  |  | 488 |  | 650 |  | 658 |  | 662 |  |  | — |
2022 |  |  |  |  |  |  |  | 372 |  | 401 |  | 406 |  |  | — |
2023 |  |  |  |  |  |  |  |  | 400 |  | 522 |  |  | — |
2024 |  |  |  |  |  |  |  |  |  | 273 |  |  | — |
Total |  |  |  |  |  |  |  |  |  | $ | 10,979 |  |  | $ | (9) |
Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance*
| Years Ended December 31, (in millions) |  | December 31, 2024
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims
| Unaudited |  |  |  |
2015 | $ | 1,043 |  | $ | 1,177 |  | $ | 1,166 |  | $ | 1,187 |  | $ | 1,265 |  | $ | 1,184 |  | $ | 1,191 |  | $ | 1,210 |  | $ | 1,221 |  | $ | 1,215 |  | $ | (6) |  | $ | 63 |  | 113,532 |
2016 |  | 1,251 |  | 1,342 |  | 1,421 |  | 1,426 |  | 1,539 |  | 1,536 |  | 1,548 |  | 1,547 |  | 1,618 |  | 71 |  | 143 |  | 142,423 |
2017 |  |  | 1,282 |  | 1,221 |  | 1,151 |  | 1,263 |  | 1,323 |  | 1,311 |  | 1,351 |  | 1,398 |  | 47 |  | 171 |  | 149,728 |
2018 |  |  |  | 1,286 |  | 1,316 |  | 1,416 |  | 1,455 |  | 1,554 |  | 1,596 |  | 1,686 |  | 90 |  | 229 |  | 151,718 |
2019 |  |  |  |  | 1,189 |  | 1,204 |  | 1,276 |  | 1,291 |  | 1,282 |  | 1,307 |  | 25 |  | 210 |  | 142,854 |
2020 |  |  |  |  |  | 1,163 |  | 1,215 |  | 1,161 |  | 1,154 |  | 1,114 |  | (40) |  | 353 |  | 86,254 |
2021 |  |  |  |  |  |  | 1,316 |  | 1,275 |  | 1,279 |  | 1,261 |  | (18) |  | 566 |  | 77,499 |
2022 |  |  |  |  |  |  |  | 1,243 |  | 1,203 |  | 1,197 |  | (6) |  | 681 |  | 74,390 |
2023 |  |  |  |  |  |  |  |  | 1,233 |  | 1,230 |  | (3) |  | 803 |  | 69,733 |
2024 |  |  |  |  |  |  |  |  |  | 1,240 |  |  | 1,052 |  | 60,687 |
Total |  |  |  |  |  |  |  |  |  | $ | 13,266 |  | $ | 160 |  |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (6,843) |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 857 |  | 10 |  |  |
Unallocated loss adjustment expense prior year development |  |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 7,280 |  | $ | 170 |  |  |
*The losses reported in the table are not covered by the ADC. Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance*
| Years Ended December 31, (in millions)
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024
| Unaudited |
2015 | $ | 69 |  | $ | 230 |  | $ | 416 |  | $ | 546 |  | $ | 656 |  | $ | 828 |  | $ | 914 |  | $ | 955 |  | $ | 1,004 |  | $ | 1,023 |
2016 |  | 115 |  | 363 |  | 563 |  | 746 |  | 896 |  | 1,022 |  | 1,127 |  | 1,214 |  | 1,253 |
2017 |  |  | 93 |  | 269 |  | 428 |  | 578 |  | 724 |  | 862 |  | 924 |  | 1,025 |
2018 |  |  |  | 109 |  | 359 |  | 549 |  | 711 |  | 867 |  | 1,085 |  | 1,172 |
2019 |  |  |  |  | 95 |  | 297 |  | 458 |  | 632 |  | 728 |  | 842 |
2020 |  |  |  |  |  | 57 |  | 218 |  | 351 |  | 484 |  | 572 |
2021 |  |  |  |  |  |  | 49 |  | 224 |  | 331 |  | 434 |
2022 |  |  |  |  |  |  |  | 55 |  | 177 |  | 282 |
2023 |  |  |  |  |  |  |  |  | 35 |  | 183 |
2024 |  |  |  |  |  |  |  |  |  | 57 |
Total |  |  |  |  |  |  |  |  |  | $ | 6,843 |
*The losses reported in the table are not covered by the ADC. Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance*
| Years Ended December 31, (in millions) |  | December 31, 2024
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims
| Unaudited |  |  |  |
2015 | $ | 1,516 |  | $ | 1,472 |  | $ | 1,457 |  | $ | 1,431 |  | $ | 1,410 |  | $ | 1,400 |  | $ | 1,388 |  | $ | 1,421 |  | $ | 1,407 |  | $ | 1,399 |  | $ | (8) |  | $ | 3 |  | 54,684 |
2016 |  | 1,494 |  | 1,636 |  | 1,661 |  | 1,635 |  | 1,632 |  | 1,626 |  | 1,563 |  | 1,558 |  | 1,553 |  | (5) |  | 17 |  | 57,353 |
2017 |  |  | 1,609 |  | 1,598 |  | 1,576 |  | 1,582 |  | 1,567 |  | 1,533 |  | 1,533 |  | 1,535 |  | 2 |  | 15 |  | 53,528 |
2018 |  |  |  | 1,547 |  | 1,514 |  | 1,493 |  | 1,481 |  | 1,429 |  | 1,427 |  | 1,422 |  | (5) |  | 25 |  | 44,342 |
2019 |  |  |  |  | 1,112 |  | 1,073 |  | 1,076 |  | 1,064 |  | 1,062 |  | 1,065 |  | 3 |  | 45 |  | 33,930 |
2020 |  |  |  |  |  | 1,282 |  | 1,223 |  | 1,181 |  | 1,200 |  | 1,190 |  | (10) |  | 94 |  | 26,280 |
2021 |  |  |  |  |  |  | 995 |  | 958 |  | 914 |  | 923 |  | 9 |  | 85 |  | 22,968 |
2022 |  |  |  |  |  |  |  | 1,098 |  | 1,253 |  | 1,238 |  | (15) |  | 95 |  | 24,972 |
2023 |  |  |  |  |  |  |  |  | 1,034 |  | 1,038 |  | 4 |  | 179 |  | 23,267 |
2024 |  |  |  |  |  |  |  |  |  | 1,081 |  |  | 542 |  | 17,451 |
Total |  |  |  |  |  |  |  |  |  | $ | 12,444 |  | $ | (25) |  |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (10,174) |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 85 |  | (10) |  |  |
Unallocated loss adjustment expense prior year development |  |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 2,355 |  | $ | (35) |  |  |
*The losses reported in the table are not covered by the ADC. Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance*
| Years Ended December 31, (in millions)
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024
| Unaudited |
2015 | $ | 336 |  | $ | 895 |  | $ | 1,163 |  | $ | 1,263 |  | $ | 1,298 |  | $ | 1,321 |  | $ | 1,329 |  | $ | 1,331 |  | $ | 1,373 |  | $ | 1,377 |
2016 |  | 441 |  | 1,080 |  | 1,327 |  | 1,457 |  | 1,501 |  | 1,528 |  | 1,546 |  | 1,520 |  | 1,522 |
2017 |  |  | 345 |  | 916 |  | 1,193 |  | 1,333 |  | 1,388 |  | 1,426 |  | 1,439 |  | 1,446 |
2018 |  |  |  | 308 |  | 952 |  | 1,131 |  | 1,254 |  | 1,267 |  | 1,301 |  | 1,325 |
2019 |  |  |  |  | 258 |  | 632 |  | 798 |  | 884 |  | 922 |  | 953 |
2020 |  |  |  |  |  | 245 |  | 657 |  | 805 |  | 896 |  | 1,004 |
2021 |  |  |  |  |  |  | 185 |  | 489 |  | 672 |  | 748 |
2022 |  |  |  |  |  |  |  | 190 |  | 650 |  | 1,100 |
2023 |  |  |  |  |  |  |  |  | 150 |  | 504 |
2024 |  |  |  |  |  |  |  |  |  | 195 |
Total |  |  |  |  |  |  |  |  |  | $ | 10,174 |
*The losses reported in the table are not covered by the ADC. Incurred Losses and Allocated Loss Adjustment Expenses, Undiscounted and Net of Reinsurance*
| Years Ended December 31, (in millions) |  | December 31, 2024
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 Prior Year Development | Total of IBNR Liabilities Plus Expected Development on Reported Losses | Cumulative Number of Reported Claims
| Unaudited |  |  |  |
2015 | $ | 2,153 |  | $ | 2,134 |  | $ | 2,135 |  | $ | 2,127 |  | $ | 2,126 |  | $ | 2,126 |  | $ | 2,126 |  | $ | 2,123 |  | $ | 2,127 |  | $ | 2,128 |  | $ | 1 |  | $ | 2 |  | 1,777,959 |
2016 |  | 2,113 |  | 2,112 |  | 2,099 |  | 2,094 |  | 2,092 |  | 2,090 |  | 2,082 |  | 2,086 |  | 2,084 |  | (2) |  | 3 |  | 1,795,415 |
2017 |  |  | 2,070 |  | 1,995 |  | 1,982 |  | 1,978 |  | 1,995 |  | 1,960 |  | 1,990 |  | 1,989 |  | (1) |  | 4 |  | 1,719,018 |
2018 |  |  |  | 2,372 |  | 2,283 |  | 2,279 |  | 2,251 |  | 2,296 |  | 2,274 |  | 2,272 |  | (2) |  | 1 |  | 1,917,173 |
2019 |  |  |  |  | 1,915 |  | 1,871 |  | 1,834 |  | 1,853 |  | 1,825 |  | 1,827 |  | 2 |  | (1) |  | 1,676,687 |
2020 |  |  |  |  |  | 1,757 |  | 1,627 |  | 1,580 |  | 1,563 |  | 1,552 |  | (11) |  | 5 |  | 1,392,905 |
2021 |  |  |  |  |  |  | 1,626 |  | 1,554 |  | 1,555 |  | 1,555 |  | — |  | 13 |  | 1,394,112 |
2022 |  |  |  |  |  |  |  | 1,710 |  | 1,752 |  | 1,716 |  | (36) |  | 67 |  | 2,072,754 |
2023 |  |  |  |  |  |  |  |  | 1,557 |  | 1,552 |  | (5) |  | 101 |  | 1,435,789 |
2024 |  |  |  |  |  |  |  |  |  | 1,416 |  |  | 177 |  | 1,260,923 |
Total |  |  |  |  |  |  |  |  |  | $ | 18,091 |  | $ | (54) |  |  |
Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance from the table below |  | (16,861) |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year development before accident year 2015, net of reinsurance |  | 39 |  | 7 |  |  |
Unallocated loss adjustment expense prior year development |  |  | — |  |  |
Liabilities for losses and loss adjustment expenses and prior year loss development, net of reinsurance |  | $ | 1,269 |  | $ | (47) |  |  |
*The losses reported in the table are not covered by the ADC. Cumulative Paid Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance*
| Years Ended December 31, (in millions)
Accident Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024
| Unaudited |
2015 | $ | 1,155 |  | $ | 1,751 |  | $ | 1,927 |  | $ | 2,020 |  | $ | 2,055 |  | $ | 2,079 |  | $ | 2,096 |  | $ | 2,104 |  | $ | 2,112 |  | $ | 2,117 |
2016 |  | 1,154 |  | 1,723 |  | 1,894 |  | 1,976 |  | 2,019 |  | 2,043 |  | 2,057 |  | 2,065 |  | 2,070 |
2017 |  |  | 1,130 |  | 1,682 |  | 1,830 |  | 1,896 |  | 1,930 |  | 1,949 |  | 1,949 |  | 1,960 |
2018 |  |  |  | 1,426 |  | 1,913 |  | 2,062 |  | 2,139 |  | 2,180 |  | 2,226 |  | 2,250 |
2019 |  |  |  |  | 1,120 |  | 1,576 |  | 1,690 |  | 1,746 |  | 1,777 |  | 1,798 |
2020 |  |  |  |  |  | 937 |  | 1,350 |  | 1,446 |  | 1,485 |  | 1,513 |
2021 |  |  |  |  |  |  | 920 |  | 1,306 |  | 1,408 |  | 1,465 |
2022 |  |  |  |  |  |  |  | 1,006 |  | 1,440 |  | 1,550 |
2023 |  |  |  |  |  |  |  |  | 881 |  | 1,290 |
2024 |  |  |  |  |  |  |  |  |  | 848 |
Total |  |  |  |  |  |  |  |  |  | $ | 16,861 |
*The losses reported in the table are not covered by the ADC.
Schedule of Claim Payout Patterns | The following table presents the historical average annual percentage claims payout on an accident year basis at the same level of disaggregation as presented in the claims development table.
Average Annual Percentage Payout of Incurred Losses by Age, Net of Reinsurance (Unaudited)
Year | 1 |  | 2 |  | 3 |  | 4 |  | 5 |  | 6 |  | 7 |  | 8 |  | 9 |  | 10 |
U.S. Workers' compensation | 11.9 | % | 17.5 | % | 11.0 | % | 7.5 | % | 4.5 | % | 3.3 | % | 2.7 | % | 1.2 | % | 1.4 | % | 1.5 | %
U.S. Excess casualty | 1.1 |  | 10.1 |  | 8.9 |  | 19.5 |  | 10.8 |  | 7.2 |  | 6.1 |  | 7.9 |  | 3.1 |  | 2.0 |
U.S. Other casualty | 5.2 |  | 9.7 |  | 13.8 |  | 14.0 |  | 13.3 |  | 8.7 |  | 7.8 |  | 4.0 |  | 3.5 |  | 0.6 |
U.S. Financial Lines | 3.9 |  | 14.0 |  | 16.0 |  | 15.0 |  | 12.3 |  | 8.5 |  | 6.9 |  | 6.2 |  | 4.0 |  | 0.7 |
U.S. Property and Special Risks | 35.6 |  | 31.1 |  | 10.9 |  | 7.1 |  | 5.1 |  | 2.8 |  | 2.2 |  | 1.6 |  | 1.9 |  | 0.2 |
U.S. Personal Insurance | 60.3 |  | 22.9 |  | 4.7 |  | 0.5 |  | 2.5 |  | 1.0 |  | 0.7 |  | 0.5 |  | 0.1 |  | 0.2 |
UK/Europe Casualty and Financial Lines | 5.4 |  | 13.6 |  | 11.5 |  | 10.8 |  | 8.9 |  | 10.7 |  | 5.8 |  | 5.3 |  | 3.2 |  | 1.6 |
UK/Europe Property and Special Risks | 20.9 |  | 37.5 |  | 18.7 |  | 8.2 |  | 3.7 |  | 2.2 |  | 1.1 |  | (0.4) |  | 1.6 |  | 0.3 |
UK/Europe and Japan Personal Insurance | 58.5 |  | 25.8 |  | 7.0 |  | 3.5 |  | 1.8 |  | 1.3 |  | 0.6 |  | 0.4 |  | 0.3 |  | 0.2 |

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