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Reinsurance Receivables (Tables)
 9 Months Ended
Sep. 30, 2021
Reinsurance Disclosures [Abstract]  
Effects of Reinsurance
The following table presents the effect of reinsurance on premiums written and earned by our insurance business for the following periods:
Direct amountCeded to other companiesAssumed from other companiesNet amountPercentage of amount - assumed to net
For the Three Months Ended September 30, 2021
Premiums written:
Life insurance                   $26,805 $12,640 $70 $14,235 0.5 %
Accident and health insurance    41,735 28,701 81 13,115 0.6 %
Property and liability insurance 312,988 150,761 35,774 198,001 18.1 %
Total premiums written             381,528 192,102 35,925 225,351 15.9 %
Premiums earned:
Life insurance                   19,268 9,994 295 9,569 3.1 %
Accident and health insurance    32,292 21,655 1,329 11,966 11.1 %
Property and liability insurance 226,446 121,349 48,394 153,491 31.5 %
Total premiums earned$278,006 $152,998 $50,018 $175,026 28.6 %
For the Three Months Ended September 30, 2020
Premiums written:
Life insurance                   $19,268 $11,551 $414 $8,131 5.1 %
Accident and health insurance    32,308 21,749 748 11,307 6.6 %
Property and liability insurance 229,518 154,201 51,721 127,038 40.7 %
Total premiums written             281,094 187,501 52,883 146,476 36.1 %
Premiums earned:
Life insurance                   16,725 9,073 348 8,000 4.4 %
Accident and health insurance    28,134 18,502 2,413 12,045 20.0 %
Property and liability insurance 170,806 103,482 29,049 96,373 30.1 %
Total premiums earned$215,665 $131,057 $31,810 $116,418 27.3 %
For the Nine Months Ended September 30, 2021
Premiums written:
Life insurance$66,109 $34,218 $757 $32,648 2.3 %
Accident and health insurance103,321 71,384 5,509 37,446 14.7 %
Property and liability insurance839,271 416,048 167,726 590,949 28.4 %
Total premiums written$1,008,701 $521,650 $173,992 $661,043 26.3 %
Premiums earned:
Life insurance$54,242 $29,405 $970 $25,807 3.8 %
Accident and health insurance91,793 61,755 6,803 36,841 18.5 %
Property and liability insurance670,077 387,047 153,225 436,255 35.1 %
Total premiums earned$816,112 $478,207 $160,998 $498,903 32.3 %
For the Nine Months Ended September 30, 2020
Premiums written:
Life insurance$46,695 $25,905 $1,104 $21,894 5.0 %
Accident and health insurance80,466 52,449 8,989 37,006 24.3 %
Property and liability insurance584,983 361,095 96,683 320,571 30.2 %
Total premiums written$712,144 $439,449 $106,776 $379,471 28.1 %
Premiums earned:
Life insurance$51,015 $27,369 $1,087 $24,733 4.4 %
Accident and health insurance88,640 58,599 9,008 39,049 23.1 %
Property and liability insurance500,465 288,863 69,610 281,212 24.8 %
Total premiums earned$640,120 $374,831 $79,705 $344,994 23.1 %
The following table presents the components of policy and contract benefits, including the effect of reinsurance on losses and loss adjustment expenses (LAE) incurred:
Direct amountCeded to other companiesAssumed from other companiesNet amountPercentage of amount - assumed to net
For the Three Months Ended September 30, 2021
Losses and LAE Incurred
Life insurance                   $13,398 $7,610 $116 $5,904 2.0 %
Accident and health insurance    6,689 5,691 913 1,911 47.8 %
Property and liability insurance 90,094 57,568 20,911 53,437 39.1 %
Total losses and LAE incurred 110,181 70,869 21,940 61,252 35.8 %
Member benefit claims (1)
19,579 
Total policy and contract benefits$80,831 
For the Three Months Ended September 30, 2020
Losses and LAE Incurred
Life insurance                   $12,945 $7,505 $135 $5,575 2.4 %
Accident and health insurance    5,854 4,922 1,436 2,368 60.6 %
Property and liability insurance 78,206 56,500 13,271 34,977 37.9 %
Total losses and LAE incurred 97,005 68,927 14,842 42,920 34.6 %
Member benefit claims (1)
14,818 
Total policy and contract benefits$57,738 
For the Nine Months Ended September 30, 2021
Losses and LAE Incurred
Life insurance$40,940 $23,987 $481 $17,434 2.8 %
Accident and health insurance16,608 13,607 2,232 5,233 42.7 %
Property and liability insurance262,447 180,991 77,121 158,577 48.6 %
Total losses and LAE incurred319,995 218,585 79,834 181,244 44.0 %
Member benefit claims (1)
55,954 
Total policy and contract benefits$237,198 
For the Nine Months Ended September 30, 2020
Losses and LAE Incurred
Life insurance$33,600 $19,493 $416 $14,523 2.9 %
Accident and health insurance13,471 11,225 5,458 7,704 70.8 %
Property and liability insurance204,917 133,798 32,008 103,127 31.0 %
Total losses and LAE incurred 251,988 164,516 37,882 125,354 30.2 %
Member benefit claims (1)
42,407 
Total policy and contract benefits$167,761 
(1)    Member benefit claims are not covered by reinsurance.
The following table presents the components of the reinsurance receivables:
As of
September 30,
2021		December 31, 2020
Prepaid reinsurance premiums:
Life insurance (1)
$72,056 $70,066 
Accident and health insurance (1)
75,890 66,261 
Property and liability insurance455,495 423,868 
Total603,441 560,195 
Ceded claim reserves:
Life insurance4,215 4,133 
Accident and health insurance12,596 11,118 
Property and liability insurance138,289 98,092 
Total ceded claim reserves recoverable155,100 113,343 
Other reinsurance settlements recoverable68,658 54,471 
Reinsurance receivables$827,199 $728,009 
(1)    Including policyholder account balances ceded.
Components of Reinsurance Receivable
The following table presents the aggregate amount included in reinsurance receivables that is comprised of the three largest receivable balances from non-affiliated reinsurers:
As of
September 30, 2021
Total of the three largest receivable balances from non-affiliated reinsurers$110,756