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Reinsurance
 9 Months Ended
Sep. 30, 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 CICA International, prior to April 1, 2025, we retained up to $100,000 on any one individual life insurance policy and reinsured the death benefit amount. For new policies beginning on such date, we increased our retention amount to $250,000 and reinsure amounts above that. 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 has 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 life insurance in force, along with assumed and ceded reinsurance activity, is summarized below as of the periods indicated.


(In thousands)
September 30, 2025December 31, 2024
Life insurance in force:
Direct life insurance in force$5,379,220 5,227,506 
Aggregate assumed life insurance in force3,427 3,427 
Aggregate ceded life insurance in force(814,607)(821,215)
Net life insurance in force$4,568,040 4,409,718 
The Company's reinsurance recoverable on ceded reinsurance was $10.4 million and $6.9 million as of September 30, 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 EndedNine Months Ended
September 30,September 30,
(In thousands)2025202420252024
Premiums from short duration contracts:
  
Direct$432 449 1,332 1,376 
Ceded(1)(14)(2)(16)
Net premiums earned431 435 1,330 1,360 
Premiums from long duration contracts:
  
Direct46,162 44,295 134,013 126,351 
Assumed13 15 38 48 
Ceded(3,303)(1,848)(8,893)(3,630)
Net premiums earned42,872 42,462 125,158 122,769 
Total premiums earned$43,303 42,897 126,488 124,129 
Claims and surrenders assumed$22 22 73 97 
Claims and surrenders ceded
$(571)(1,395)(1,523)(2,876)
Commissions assumed and ceded
$(2,887)(2,016)(9,293)(2,957)
Other general expenses ceded$(699)(341)(1,982)(497)