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Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses (Tables) | 6 Months Ended
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Jun. 30, 2018
Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses [Abstract] |
Reconciliation of Total Incurred Losses to Total Insurance Benefits and Losses | Following is a reconciliation of total incurred losses to total insurance benefits and losses incurred:
|  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |
Total incurred losses |  | $ | 63,067 |  |  | $ | 54,428 |
Cash surrender value and matured endowments |  |  | 707 |  |  |  | 817 |
Benefit reserve changes |  |  | 1,617 |  |  |  | 1,784 |
Total insurance benefits and losses incurred |  | $ | 65,391 |  |  | $ | 57,029 |
Property and Casualty Insurance Products [Member] |
Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses [Abstract] |
Roll-forward of Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses | The roll-forward of liabilities for unpaid losses, claims and loss adjustment expenses, by major product, is as follows:
Property and Casualty Insurance Products |  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 47,997 |  |  | $ | 49,556 |
Less: Reinsurance recoverable on unpaid losses |  |  | (7,220 | ) |  |  | (9,806 | )
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 40,777 |  |  |  | 39,750 |
Incurred related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 18,531 |  |  |  | 17,306 |
Prior accident year development (1) |  |  | (659 | ) |  |  | (1,090 | )
Total incurred |  |  | 17,872 |  |  |  | 16,216 |
Paid related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 5,736 |  |  |  | 5,631 |
Prior accident years |  |  | 10,363 |  |  |  | 10,065 |
Total paid |  |  | 16,099 |  |  |  | 15,696 |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 42,550 |  |  |  | 40,270 |
Plus: Reinsurance recoverable on unpaid losses |  |  | 7,760 |  |  |  | 10,027 |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 50,310 |  |  | $ | 50,297 |
| (1) | In establishing property and casualty reserves, the Company initially reserves for losses at the higher end of the reasonable range if no other value within the range is determined to be more probable. Selection of such an initial loss estimate is an attempt by management to give recognition that initial claims information received generally is not conclusive with respect to legal liability, is generally not comprehensive with respect to magnitude of loss and generally, based on historical experience, will develop more adversely as time passes and more information becomes available. Accordingly, the Company generally experiences reserve redundancies when analyzing the development of prior year losses in a current period.
Medicare Supplement Insurance Products [Member] |
Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses [Abstract] |
Roll-forward of Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses | The roll-forward of liabilities for unpaid losses, claims and loss adjustment expenses, by major product, is as follows:
Medicare Supplement Insurance Products |  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 15,859 |  |  | $ | 11,263 |
Less: Reinsurance recoverable on unpaid losses |  |  | (4,748 | ) |  |  | (990 | )
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 11,111 |  |  |  | 10,273 |
Incurred related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 39,951 |  |  |  | 33,674 |
Prior accident year development |  |  | 606 |  |  |  | 587 |
Total incurred |  |  | 40,557 |  |  |  | 34,261 |
Paid related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 27,722 |  |  |  | 24,301 |
Prior accident years |  |  | 11,006 |  |  |  | 9,706 |
Total paid |  |  | 38,728 |  |  |  | 34,007 |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 12,940 |  |  |  | 10,527 |
Plus: Reinsurance recoverable on unpaid losses |  |  | 6,907 |  |  |  | 2,746 |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 19,847 |  |  | $ | 13,273 |
Other Life and Health Insurance Products [Member] |
Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses [Abstract] |
Roll-forward of Liabilities for Unpaid Losses, Claims and Loss Adjustment Expenses | The roll-forward of liabilities for unpaid losses, claims and loss adjustment expenses, by major product, is as follows:
Other Life and Health Insurance Products |  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 1,833 |  |  | $ | 1,743 |
Less: Reinsurance recoverable on unpaid losses |  |  | - |  |  |  | - |
Beginning liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 1,833 |  |  |  | 1,743 |
Incurred related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 4,748 |  |  |  | 3,995 |
Prior accident year development |  |  | (110 | ) |  |  | (44 | )
Total incurred |  |  | 4,638 |  |  |  | 3,951 |
Paid related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 3,050 |  |  |  | 2,685 |
Prior accident years |  |  | 1,503 |  |  |  | 1,524 |
Total paid |  |  | 4,553 |  |  |  | 4,209 |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, net |  |  | 1,918 |  |  |  | 1,485 |
Plus: Reinsurance recoverable on unpaid losses |  |  | - |  |  |  | - |
Ending liabilities for unpaid losses, claims and loss adjustment expenses, gross |  | $ | 1,918 |  |  | $ | 1,485 |

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- Definition A tabular disclosure of a reconciliation of total claims to total insurance benefits and losses. + References No definition available. + Details
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- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
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- Definition Tabular disclosure of the activity in the reserve for settling insured claims and expenses incurred in the claims settlement process for the period. The estimated liability includes the amount of money that will be required for future payments of (a) claims that have been reported to the insurer, (b) claims related to insured events that have occurred but that have not been reported to the insurer as of the date the liability is estimated, and (c) claim adjustment expenses. Claim adjustment expenses include costs incurred in the claim settlement process such as legal fees; outside adjuster fees; and costs to record, process, and adjust claims. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=99382578&loc=d3e14764-158437 + Details
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