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Reinsurance
 12 Months Ended
Dec. 31, 2025
Reinsurance Disclosures [Abstract]  
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, prior to April 1, 2025, we retained up to $100,000 on any one individual life insurance policy and reinsured the death benefit amounts above this 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, CLOA entered into a coinsurance agreement with RGA Reinsurance Company ("RGA"). Under this agreement, CLOA 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.

December 31,
(In thousands)
20252024
Insurance in force:
Direct life insurance in force$5,431,721 5,227,506 
Aggregate assumed life insurance in force3,193 3,427 
Aggregate ceded life insurance in force(910,226)(821,215)
Net life insurance in force$4,524,688 4,409,718 

The Company's reinsurance recoverable on ceded reinsurance was $10.9 million and $6.9 million in 2025 and 2024, respectively.  Premiums, claims and surrenders assumed and ceded and expenses ceded for all lines of business are summarized for the periods indicated below.

Years ended December 31,
(In thousands)
20252024
Premiums from short duration contracts:
  
Direct$1,761 1,837 
Ceded(3)(16)
Net premiums earned1,758 1,821 
Premiums from long duration contracts:
  
Direct187,005 176,999 
Assumed51 67 
Ceded(12,443)(5,559)
Net premiums earned174,613 171,507 
Total premiums earned$176,371 173,328 
Claims and surrenders assumed$103 122 
Claims and surrenders ceded
$(1,789)(2,341)
Commissions assumed and (ceded)
$(12,135)(5,539)
Other general expenses ceded$(2,712)(960)