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Reinsurance
 3 Months Ended
Mar. 31, 2025
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Abstract]  
Reinsurance REINSURANCE
In the normal course of business, the Company reinsures portions of certain policies that we underwrite to mitigate exposure to potential losses and/or to provide additional capacity for growth. In our international business, we generally retain $100,000 on any one individual life insurance policy and reinsure the death benefit amount above $100,000. We also reinsure 100% of our accidental death benefit rider coverage. In the second quarter of 2024, CICA Domestic entered into a coinsurance agreement with RGA Reinsurance Company ("RGA"). Under this agreement, CICA Domestic initially elected for RGA to reinsure 50% of its newly written final expense business. The Company remains contingently liable in the event that any of the reinsurers are unable to meet their obligations under any reinsurance agreement.

Our amounts recoverable from reinsurers represent receivables from and reserves ceded to reinsurers.  We obtain reinsurance from multiple reinsurers and monitor our reinsurance concentration as well as the financial strength ratings of our reinsurers. Their ratings by A.M. Best Company range from A- (Excellent) to A+ (Superior).  

A summary of insurance in force, along with assumed and ceded life reinsurance activity, is summarized below as of the periods indicated.


(In thousands)
March 31, 2025December 31, 2024
Insurance in force:
Direct life insurance in force$5,282,585 5,227,506 
Aggregate assumed life insurance in force3,427 3,427 
Aggregate ceded life insurance in force(838,457)(821,215)
Net life insurance in force$4,447,555 4,409,718 
The Company's reinsurance recoverable on ceded reinsurance was $7.9 million and $6.9 million as of March 31, 2025 and December 31, 2024, respectively.  Premiums, claims and surrenders assumed and ceded, and expenses ceded for all lines of business are summarized for the periods indicated below.

 Three Months Ended
March 31,
(In thousands)20252024
Premiums from short duration contracts:
  
Direct$449 452 
Ceded(1)(1)
Net premiums earned448 451 
Premiums from long duration contracts:
  
Direct41,901 38,606 
Assumed11 17 
Ceded(2,563)(401)
Net premiums earned39,349 38,222 
Total premiums earned$39,797 38,673 
Claims and surrenders assumed$(40)34 
Claims and surrenders ceded
$(677)(784)
Commissions assumed and ceded
$(3,125)8 
Other general expenses ceded$(588)—