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Deferred Policy Acquisition Costs and Value of Business Acquired - DAC and VOBA Activity (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Movement Analysis Of Value of Business Acquired VOBA [Roll Forward] |  |  |
Beginning balance | $ 376 | $ 406 | $ 439
Deferrals of commissions and expenses | 4 | 3 | 4
Amortization expense | (60) | (33) | (37)
Ending balance | 710 | 376 | 406
Deferred policy acquisition costs ("DAC") and Value of business acquired ("VOBA") | $ 2,401 | 2,148 |
Deferred Policy Acquisition Costs and Value of Business Acquired | The following table presents a rollforward of DAC and VOBA for the periods indicated:
| DAC |  | VOBA(2) |  |
| Retirement Deferred and Individual Annuities | Employee Benefits Voluntary | Businesses Exited |  |  |  |
Balance as of January 1, 2023 | $ | 691 |  | $ | 171 |  | $ | 1,043 |  |  | $ | 439 |  |  |
Deferrals of commissions and expenses | 59 |  | 54 |  | — |  |  | 4 |  |  |
Amortization expense | (55) |  | (32) |  | (105) |  |  | (37) |  |  |
Balance as of December 31, 2023 | $ | 695 |  | $ | 193 |  | $ | 938 |  |  | $ | 406 |  |  |
Deferrals of commissions and expenses | 60 |  | 58 |  | — |  |  | 3 |  |  |
Amortization expense | (54) |  | (36) |  | (100) |  |  | (33) |  |  |
Balance as of December 31, 2024 | $ | 701 |  | $ | 215 |  | $ | 838 |  |  | $ | 376 |  |  |
Additions related to business acquisitions(1) | — |  | — |  | — |  |  | 390 |  |  |
Deferrals of commissions and expenses | 59 |  | 46 |  | — |  |  | 4 |  |  |
Amortization expense | (54) |  | (40) |  | (94) |  |  | (60) |  |  |
Balance as of December 31, 2025 | $ | 706 |  | $ | 221 |  | $ | 744 |  |  | $ | 710 |  |  |
(1) Related to the acquisition of the full-service retirement plan business of OneAmerica Financial. (2) Primarily related to the Retirement segment. The following table shows a reconciliation of DAC and VOBA balances to the Consolidated Balance Sheets as of the periods indicated:
| December 31, 2025 |  | December 31, 2024
DAC: |  |  |
Retirement Deferred and Individual Annuities | $ | 706 |  |  | $ | 701 |
Employee Benefits Voluntary | 221 |  |  | 215 |
Businesses Exited | 744 |  |  | 838 |
Other | 20 |  |  | 18 |
VOBA | 710 |  |  | 376 |
Total | $ | 2,401 |  |  | $ | 2,148 |
Wealth Solutions |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Beginning balance | $ 701 | 695 | 691
Deferrals of commissions and expenses | 59 | 60 | 59
Amortization expense | (54) | (54) | (55)
Ending balance | 706 | 701 | 695
Businesses exited |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Beginning balance | 838 | 938 | 1,043
Deferrals of commissions and expenses | 0 | 0 | 0
Amortization expense | (94) | (100) | (105)
Ending balance | 744 | 838 | 938
Other |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Beginning balance | 18 |  |
Ending balance | 20 | 18 |
Health Solutions |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Beginning balance | 215 | 193 | 171
Deferrals of commissions and expenses | 46 | 58 | 54
Amortization expense | (40) | (36) | (32)
Ending balance | 221 | $ 215 | $ 193
OneAmerica |  |  |
Movement Analysis Of Value of Business Acquired VOBA [Roll Forward] |  |  |
Deferrals of commissions and expenses | 390 |  |
OneAmerica | Wealth Solutions |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Deferrals of commissions and expenses | 0 |  |
OneAmerica | Businesses exited |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Deferrals of commissions and expenses | 0 |  |
OneAmerica | Health Solutions |  |  |
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward] |  |  |
Deferrals of commissions and expenses | $ 0 |  |

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