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CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($)
shares in Millions, $ in Millions
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Interest income $ 18 $ 17 $ 36 $ 35
Total revenues 1,238 1,243 2,530 2,525
Insurance costs 947 916 1,889 1,823
Cost of providing services 71 75 142 154
Sales and marketing 68 72 135 144
General and administrative 52 47 98 95
Systems development and programming 17 17 37 35
Depreciation and amortization of intangible assets 17 19 34 37
Interest expense, bank fees and other 15 16 29 32
Total costs and operating expenses 1,187 1,162 2,364 2,320
Income before tax 51 81 166 205
Income taxes 14 21 44 53
Net income 37 60 122 152
Other comprehensive income (loss), net of income taxes 1 0 3 (3)
Comprehensive income $ 38 $ 60 $ 125 $ 149
Net income per share:        
Basic (in dollars per share) $ 0.77 $ 1.21 $ 2.49 $ 3.01
Diluted (in dollars per share) $ 0.77 $ 1.20 $ 2.48 $ 2.98
Weighted average shares:        
Basic (in shares) 48 50 49 50
Diluted (in shares) 49 51 49 51
Professional service revenues        
Service revenues $ 172 $ 186 $ 381 $ 400
Insurance service revenues        
Service revenues $ 1,048 $ 1,040 $ 2,113 $ 2,090