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Deferred Policy Acquisition Costs and Cost of Insurance Acquired (Tables)
 12 Months Ended
Dec. 31, 2024
Insurance [Abstract]  
Deferred Policy Acquisition Costs [Table Text Block]
The following tables roll forward the DAC and COIA balances for the years ended December 31, 2024 and 2023 by reporting cohort. Our reporting cohorts are Permanent, which summarizes insurance policies with premiums payable over the lifetime of the policy, and Permanent Limited Pay, which summarizes insurance policies with premiums payable for a limited time after which the policy is fully paid up. Both reporting cohorts include whole life and endowment policies.
DAC

Year Ended December 31, 2024
(In thousands)
PermanentPermanent Limited PayOther BusinessTotal
Life Insurance:
Balance, beginning of year$105,552 14,075 1,213 120,840 
Capitalizations31,740 3,314 350 35,404 
Amortization expense(12,567)(1,001)(1,016)(14,584)
Balance, end of year
124,725 16,388 547 141,660 
Home Service Insurance:
Balance, beginning of year43,280 10,564 1,084 54,928 
Capitalizations4,643 1,017 238 5,898 
Amortization expense(2,267)(430)(154)(2,851)
Balance, end of year
45,656 11,151 1,168 57,975 
Consolidated:
Balance, beginning of year148,832 24,639 2,297 175,768 
Capitalizations36,383 4,331 588 41,302 
Amortization expense(14,834)(1,431)(1,170)(17,435)
Balance, end of year
$170,381 27,539 1,715 199,635 

Year Ended December 31, 2023
(In thousands)
PermanentPermanent Limited PayOther BusinessTotal
Life Insurance:
Balance, beginning of year$100,926 11,542 1,016 113,484 
Capitalizations16,451 3,332 468 20,251 
Amortization expense(11,825)(799)(271)(12,895)
Balance, end of year
105,552 14,075 1,213 120,840 
Home Service Insurance:
Balance, beginning of year38,793 9,729 921 49,443 
Capitalizations6,570 1,232 248 8,050 
Amortization expense(2,083)(397)(85)(2,565)
Balance, end of year
43,280 10,564 1,084 54,928 
Consolidated:
Balance, beginning of year139,719 21,271 1,937 162,927 
Capitalizations23,021 4,564 716 28,301 
Amortization expense(13,908)(1,196)(356)(15,460)
Balance, end of year
$148,832 24,639 2,297 175,768 
Cost of Insurance Acquired [Table Text Block]
Year Ended December 31, 2024
(In thousands)
PermanentPermanent Limited PayOther BusinessTotal
Life Insurance:
Balance, beginning of year$249 695 406 1,350 
Amortization expense350 (47)(406)(103)
Balance, end of year
599 648 — 1,247 
Home Service Insurance:
Balance, beginning of year7,194 168 1,331 8,693 
Amortization expense(369)(7)(118)(494)
Balance, end of year
6,825 161 1,213 8,199 
Consolidated:
Balance, beginning of year7,443 863 1,737 10,043 
Amortization expense(19)(54)(524)(597)
Balance, end of year
$7,424 809 1,213 9,446 

Year Ended December 31, 2023
(In thousands)
PermanentPermanent Limited PayOther BusinessTotal
Life Insurance:
Balance, beginning of year$267 750 444 1,461 
Amortization expense(18)(55)(38)(111)
Balance, end of year
249 695 406 1,350 
Home Service Insurance:
Balance, beginning of year7,583 176 1,427 9,186 
Amortization expense(389)(8)(96)(493)
Balance, end of year
7,194 168 1,331 8,693 
Consolidated:
Balance, beginning of year7,850 926 1,871 10,647 
Amortization expense(407)(63)(134)(604)
Balance, end of year
$7,443 863 1,737 10,043 
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]
Estimated amortization of COIA in each of the next five years and thereafter is as follows.  Actual future amortization will differ from these estimates due to variances from estimated future withdrawal assumptions.

(In thousands)Amount
Cost of insurance acquired:
Year:
2025$635 
2026582 
2027534 
2028491 
2029453 
Thereafter6,751 
Total cost of insurance acquired$9,446