11. Life, Accident and Health Reserves

Life, accident and health reserves consist of the following (in thousands):



	September 30, 2018		December 31, 2017
Long-term care insurance reserves	$	4,115,726	$	1,453,442
Traditional life insurance reserves	318,996		99,951
Other accident and health insurance reserves	272,678		140,568
Total life, accident and health reserves	$	4,707,400	$	1,693,961

The following table sets forth changes in the liability for claims for the portion of our long-term care insurance reserves in scope of the ASU 2015-09 disclosure requirements (in thousands):



	Nine Months Ended September 30,
	2018			2017
Beginning balance	$	243,456		$	226,970
Less: recoverable from reinsurers	(100,611		)	(97,858		)
Beginning balance, net	142,845			129,112
Incurred related to insured events of:
Current year	54,455			44,611
Prior years	6,053			(1,449		)
Total incurred	60,508			43,162
Paid related to insured events of:
Current year	(3,927		)	(4,054		)
Prior years	(36,868		)	(30,505		)
Total paid	(40,795		)	(34,559		)
Interest on liability for policy and contract claims	4,128			3,639
Reserve for business acquired during the current period	341,211			—
Ending balance, net	507,897			141,354
Add: recoverable from reinsurers	159,055			115,176
Ending balance	$	666,952		$	256,530

The Insurance segment experienced an unfavorable claims reserve development of $6.1 million and a favorable claims reserve development of $1.4 million for the nine months ended September 30, 2018 and 2017, respectively.

In 2018 the incurred amount of unfavorable claims related to insured events of prior years is the result of policyholder behavior, where claimants were delaying the reporting of their claims more than in recent history. There has also been a variance in the claim termination rates experienced in 2018 relative to 2017 and prior years that is increasing the incurred amount related to insured events of prior years. The reserve sufficiency in 2017 is being driven by claim terminations as the result of policyholder deaths that released significant reserves which is attributable to the normal volatility in the reserves, due to the number of claims that are currently open.