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Policyholders' Liabilities - Schedule of Liability for Future Policy Benefits (Details) - USD ($) $ in Thousands | 9 Months Ended |  |
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024 | Dec. 31, 2023
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Future policy benefit liability | $ 1,193,631 | $ 1,237,871 | $ 1,173,105 |
Life Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 314,880 | 258,177 |  |
Beginning balance at original discount rate | 326,099 | 265,959 |  |
Effect of actual variances from expected experience |  |  | (24,754) | $ (11,230)
Adjusted beginning of year balance |  |  | 299,549 | 272,734
Issuances | 88,484 | 76,675 |  |
Interest accrual | 10,403 | 8,722 |  |
Net premiums collected | (46,136) | (38,486) |  |
Derecognition and other | (6,342) | (5,438) |  |
Ending balance at original discount rate | 345,958 | 314,207 |  |
Effect of changes in cash flow assumptions |  |  | (1,796) | 18,005
Effect of changes in discount rates | (323) | (1,346) |  |
Balance, end of period | 345,635 | 312,861 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 1,183,622 | 1,168,472 |  |
Beginning balance at original discount rate | 1,253,290 | 1,198,717 |  |
Effect of actual variances from expected experience |  |  | (22,036) | (6,740)
Adjusted beginning of year balance |  |  | 1,230,195 | 1,211,031
Issuances | 89,144 | 77,484 |  |
Interest accrual | 40,880 | 39,809 |  |
Benefit payments | (102,750) | (80,722) |  |
Derecognition and other | (7,130) | (6,626) |  |
Ending balance at original discount rate | 1,250,339 | 1,240,976 |  |
Effect of changes in discount rates | (29,322) | (14,462) |  |
Post-adoption liability, ending balance | 1,221,017 | 1,226,514 |  |
Effect of changes in cash flow assumptions |  |  | (1,059) | 19,054
Net liability for future policy benefits | 875,382 | 913,653 |  |
Less: Reinsurance recoverable | 5,786 | 1,308 |  |
Future policy benefit liability | 869,594 | 912,345 |  |
Plus: Flooring impact | (2) |  |  |
Home Service Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 108,336 | 113,757 |  |
Beginning balance at original discount rate | 115,758 | 117,557 |  |
Effect of actual variances from expected experience |  |  | (7,076) | (9,310)
Adjusted beginning of year balance |  |  | 109,431 | 107,806
Issuances | 12,294 | 13,265 |  |
Interest accrual | 3,570 | 3,587 |  |
Net premiums collected | (8,610) | (8,224) |  |
Derecognition and other | 223 | 374 |  |
Ending balance at original discount rate | 116,908 | 116,808 |  |
Effect of changes in cash flow assumptions |  |  | 749 | (441)
Effect of changes in discount rates | (3,690) | (2,367) |  |
Balance, end of period | 113,218 | 114,441 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 310,448 | 334,730 |  |
Beginning balance at original discount rate | 341,571 | 341,465 |  |
Effect of actual variances from expected experience |  |  | (5,388) | (7,572)
Adjusted beginning of year balance |  |  | 335,253 | 332,313
Issuances | 12,283 | 13,265 |  |
Interest accrual | 11,601 | 11,538 |  |
Benefit payments | (16,088) | (15,685) |  |
Derecognition and other | 199 | 352 |  |
Ending balance at original discount rate | 343,248 | 341,783 |  |
Effect of changes in discount rates | (22,506) | (8,290) |  |
Post-adoption liability, ending balance | 320,742 | 333,493 |  |
Effect of changes in cash flow assumptions |  |  | (930) | (1,580)
Net liability for future policy benefits | 207,524 | 219,052 |  |
Less: Reinsurance recoverable | 0 | 0 |  |
Future policy benefit liability | 207,524 | 219,052 |  |
Plus: Flooring impact | 0 |  |  |
Permanent |  |  |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Future policy benefit liability | 803,301 | 845,097 |  |
Permanent | Life Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 299,918 | 244,917 |  |
Beginning balance at original discount rate | 310,919 | 252,426 |  |
Effect of actual variances from expected experience |  |  | (25,621) | (12,203)
Adjusted beginning of year balance |  |  | 279,383 | 257,954
Issuances | 85,513 | 74,426 |  |
Interest accrual | 9,912 | 8,342 |  |
Net premiums collected | (41,992) | (36,066) |  |
Derecognition and other | (6,592) | (5,530) |  |
Ending balance at original discount rate | 326,224 | 299,126 |  |
Effect of changes in cash flow assumptions |  |  | (5,915) | 17,731
Effect of changes in discount rates | (413) | (1,303) |  |
Balance, end of period | 325,811 | 297,823 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 996,556 | 973,350 |  |
Beginning balance at original discount rate | 1,051,493 | 995,962 |  |
Effect of actual variances from expected experience |  |  | (24,376) | (9,656)
Adjusted beginning of year balance |  |  | 1,020,066 | 1,004,626
Issuances | 85,929 | 75,132 |  |
Interest accrual | 34,698 | 33,624 |  |
Benefit payments | (86,637) | (67,441) |  |
Derecognition and other | (7,141) | (6,642) |  |
Ending balance at original discount rate | 1,046,915 | 1,039,299 |  |
Effect of changes in discount rates | (19,237) | (8,395) |  |
Post-adoption liability, ending balance | 1,027,678 | 1,030,904 |  |
Effect of changes in cash flow assumptions |  |  | (7,051) | 18,320
Net liability for future policy benefits | 701,867 | 733,081 |  |
Less: Reinsurance recoverable | 5,786 | 1,308 |  |
Future policy benefit liability | 696,079 | 731,773 |  |
Plus: Flooring impact | (2) |  |  |
Permanent | Home Service Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 94,458 | 98,831 |  |
Beginning balance at original discount rate | 101,026 | 102,045 |  |
Effect of actual variances from expected experience |  |  | (4,508) | (5,784)
Adjusted beginning of year balance |  |  | 97,349 | 95,799
Issuances | 10,668 | 11,412 |  |
Interest accrual | 3,176 | 3,193 |  |
Net premiums collected | (9,054) | (9,116) |  |
Derecognition and other | 191 | 317 |  |
Ending balance at original discount rate | 102,330 | 101,605 |  |
Effect of changes in cash flow assumptions |  |  | 831 | (462)
Effect of changes in discount rates | (3,354) | (2,042) |  |
Balance, end of period | 98,976 | 99,563 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 198,809 | 211,946 |  |
Beginning balance at original discount rate | 218,555 | 217,524 |  |
Effect of actual variances from expected experience |  |  | (4,499) | (5,880)
Adjusted beginning of year balance |  |  | 213,432 | 211,142
Issuances | 10,664 | 11,407 |  |
Interest accrual | 7,284 | 7,233 |  |
Benefit payments | (11,706) | (11,399) |  |
Derecognition and other | 172 | 301 |  |
Ending balance at original discount rate | 219,846 | 218,684 |  |
Effect of changes in discount rates | (13,648) | (5,797) |  |
Post-adoption liability, ending balance | 206,198 | 212,887 |  |
Effect of changes in cash flow assumptions |  |  | (624) | (502)
Net liability for future policy benefits | 107,222 | 113,324 |  |
Less: Reinsurance recoverable | 0 | 0 |  |
Future policy benefit liability | 107,222 | 113,324 |  |
Plus: Flooring impact | 0 |  |  |
Permanent Limited Pay |  |  |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Future policy benefit liability | 273,817 | 286,300 |  |
Permanent Limited Pay | Life Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 14,962 | 13,260 |  |
Beginning balance at original discount rate | 15,180 | 13,533 |  |
Effect of actual variances from expected experience |  |  | 867 | 973
Adjusted beginning of year balance |  |  | 20,166 | 14,780
Issuances | 2,971 | 2,249 |  |
Interest accrual | 491 | 380 |  |
Net premiums collected | (4,144) | (2,420) |  |
Derecognition and other | 250 | 92 |  |
Ending balance at original discount rate | 19,734 | 15,081 |  |
Effect of changes in cash flow assumptions |  |  | 4,119 | 274
Effect of changes in discount rates | 90 | (43) |  |
Balance, end of period | 19,824 | 15,038 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 187,066 | 195,122 |  |
Beginning balance at original discount rate | 201,797 | 202,755 |  |
Effect of actual variances from expected experience |  |  | 2,340 | 2,916
Adjusted beginning of year balance |  |  | 210,129 | 206,405
Issuances | 3,215 | 2,352 |  |
Interest accrual | 6,182 | 6,185 |  |
Benefit payments | (16,113) | (13,281) |  |
Derecognition and other | 11 | 16 |  |
Ending balance at original discount rate | 203,424 | 201,677 |  |
Effect of changes in discount rates | (10,085) | (6,067) |  |
Post-adoption liability, ending balance | 193,339 | 195,610 |  |
Effect of changes in cash flow assumptions |  |  | 5,992 | 734
Net liability for future policy benefits | 173,515 | 180,572 |  |
Less: Reinsurance recoverable | 0 | 0 |  |
Future policy benefit liability | 173,515 | 180,572 |  |
Plus: Flooring impact | 0 |  |  |
Permanent Limited Pay | Home Service Insurance: |  |  |  |
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward] |  |  |  |
Balance, beginning of year | 13,878 | 14,926 |  |
Beginning balance at original discount rate | 14,732 | 15,512 |  |
Effect of actual variances from expected experience |  |  | (2,568) | (3,526)
Adjusted beginning of year balance |  |  | 12,082 | 12,007
Issuances | 1,626 | 1,853 |  |
Interest accrual | 394 | 394 |  |
Net premiums collected | 444 | 892 |  |
Derecognition and other | 32 | 57 |  |
Ending balance at original discount rate | 14,578 | 15,203 |  |
Effect of changes in cash flow assumptions |  |  | (82) | 21
Effect of changes in discount rates | (336) | (325) |  |
Balance, end of period | 14,242 | 14,878 |  |
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward] |  |  |  |
Pre-adoption liability, beginning balance | 111,639 | 122,784 |  |
Beginning balance at original discount rate | 123,016 | 123,941 |  |
Effect of actual variances from expected experience |  |  | (889) | (1,692)
Adjusted beginning of year balance |  |  | 121,821 | 121,171
Issuances | 1,619 | 1,858 |  |
Interest accrual | 4,317 | 4,305 |  |
Benefit payments | (4,382) | (4,286) |  |
Derecognition and other | 27 | 51 |  |
Ending balance at original discount rate | 123,402 | 123,099 |  |
Effect of changes in discount rates | (8,858) | (2,493) |  |
Post-adoption liability, ending balance | 114,544 | 120,606 |  |
Effect of changes in cash flow assumptions |  |  | $ (306) | $ (1,078)
Net liability for future policy benefits | 100,302 | 105,728 |  |
Less: Reinsurance recoverable | 0 | 0 |  |
Future policy benefit liability | 100,302 | $ 105,728 |  |
Plus: Flooring impact | $ 0 |  |  |

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- Definition Amount, before tax, of accumulated other comprehensive income (loss) (AOCI) from (increase) decrease in expected future policy benefit component of liability for future policy benefit from change in discount rate. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (h) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 + Details
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- Definition Amount, before tax, of accumulated other comprehensive income (loss) (AOCI) from increase (decrease) in expected net premium component of liability for future policy benefit from change in discount rate. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (h) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 + Details
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- Definition Amount, after effect of reinsurance, of liability for future policy benefit. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 + Details
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- Definition Amount, before effect of reinsurance and after current period update of cash flow assumption, of expected future benefit and expense component for liability for future policy benefit, discounted at original rate. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 + Details
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- Definition Amount, before effect of reinsurance and after current period update of cash flow assumption and discount rate change, of expected future policy benefit and expense component of liability for future policy benefit. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (b)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 + Details
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- Definition Amount of cumulative increase (decrease) in expected future policy benefit and expense component for liability of future policy benefit from cash flow assumption change for future cash flows. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I + Details
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- Definition Amount of cumulative increase (decrease) in expected future policy benefit and expense component for liability of future policy benefit from effect of variance from cash flow assumption change for actual experience. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I + Details
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- Definition Amount of decrease in expected future policy benefit and expense component of liability for future policy benefit from derecognition of contract. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I + Details
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- Definition Amount of interest expense for expected future policy benefit and expense component of liability for future policy benefit. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-6 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 29E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-29E Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 65 -Paragraph 2 -Subparagraph (g)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 13I -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-13I + Details
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