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v3.25.2

Insurance Reserves for Losses and Claims (Tables) | 6 Months Ended
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Jun. 30, 2025
Insurance Reserves for Losses and Claims [Abstract] |
Roll-forward of Insurance Reserves for Losses and Claims | The roll-forward of insurance reserves for losses and claims for the six months ended June 30, 2025 and 2024 is as follows:
| Six Months Ended June 30, |
| 2025 |  |  |  | 2024 |
Beginning insurance reserves for losses and claims, gross | $ | 93,707 |  |  |  | $ | 87,478 |
Less: Reinsurance recoverable on unpaid losses |  | (17,390 | ) |  |  |  | (14,678 | )
Beginning insurance reserves for losses and claims, net |  | 76,317 |  |  |  |  | 72,800 |
Incurred related to: |  |  |  |  |  |  |  |
Current accident year |  | 63,346 |  |  |  |  | 57,851 |
Prior accident year development |  | (2,543 | ) | (1) |  |  | 1,829 | (2)
Total incurred |  | 60,803 |  |  |  |  | 59,680 |
Paid related to: |  |  |  |  |  |  |  |
Current accident year |  | 24,903 |  |  |  |  | 22,405 |
Prior accident years |  | 27,410 |  |  |  |  | 37,016 |
Total paid |  | 52,313 |  |  |  |  | 59,421 |
Ending insurance reserves for losses and claims, net |  | 84,807 |  |  |  |  | 73,059 |
Plus: Reinsurance recoverable on unpaid losses |  | 16,952 |  |  |  |  | 17,565 |
Ending insurance reserves for losses and claims, gross | $ | 101,759 |  |  |  | $ | 90,624 |
(1) | Prior years’ development was primarily the result of favorable development in the Medicare supplement line of business in the life and health operations, partially offset by unfavorable development in the property and casualty operations predominately in the automobile liability line of business.
(2) | Prior years’ development was primarily the result of unfavorable development in the property and casualty operations predominately in the automobile liability line of business due to inflationary factors.
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, |
|  | 2025 |  |  | 2024 |
Total incurred losses |  | $ | 60,803 |  |  | $ | 59,680 |
Cash surrender value and matured endowments |  |  | 1,291 |  |  |  | 577 |
Benefit reserve changes |  |  | 3,466 |  |  |  | 3,475 |
Total insurance benefits and losses incurred |  | $ | 65,560 |  |  | $ | 63,732 |

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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 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://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-3 + Details
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